With all this time on the retiree’s hands, it can be too easy to lapse into inactivity. Somehow, stomach crunches and leg lifts aren’t nearly as excruciating when someone exclusively dedicated to your fitness comes to your home and helps you do them. An exercise class requires willpower to attend, but a personal trainer is a virtually pampering experience. Why? It’s the personal factor. What makes people feel more special than receiving 100% of someone’s attention?