Agreed on both counts.
If money is tight, it might not be worth it for you. I decided to sacrifice my alcohol budget, one meal out per month, and a large chunk of my new clothing budget to invest in a trainer and it has been 100% worth it. It also really depends on how expensive your area is. I know that what I pay for Hanna would cause many of your jaws to drop in horror because D.C. is a brutally expensive city. I bet getting a trainer in, say, Omaha isn’t as hard on the wallet.
I decided to put up the money and hire a trainer because I was ready for a big new challenge and needed help to accomplish my goal without hurting myself (I’d just gotten over the worst of a foot injury). Working with someone who knows what she’s talking about is really helpful. Hanna is a college student studying sports medicine, so she not only knows her job from the empirical perspective, she also understands and uses her knowledge of the anatomy and physiology aspects of fitness to enhance our work together. She also has great suggestions on nutrition when I want them.
But most of all, Hanna pushes me harder than I would push myself many days. Who wants to do the fifth set? Or dial up the resistance to a new level? Having someone there who inspires you to do it is incredibly helpful.