I go to Lifetime... Open 24 hours, it's cleaner (doesnt stink like Urban Active), more equipment, better locker rooms, better pool (I swim a lot), and everything is included, you dont have to bring your own towels for $97 with tax for both me and my GF... It was like $45/month without tax... I had an Urban Active membership and had to wait for weights all the time because they only have so many and they are always taken... Plus I didnt like that they are only open till 7pm on weekends and 9pm on some days... Also at lifetime I can always get a game or two of basketball on at any time of the day... It is worth the extra $15/month, I think...