I never heard of 123-Fit...I mean I have not seen one where I live...hum maybe I should get a franchise....heck no! As for Curves, I can't say its good or bad. There is one right down the street where I live from, less than a mile, but I prefer to drive 3.5 miles and go Jazzercise! This is the only excercise program I have been able to stick too! I have been to several gyms, and I get bored to death! If I want to walk on a treadmill, I use my own. If I want to use weights, I use my own...the truth is that all I want to do is have fun exercising...and Jazzercise does the work for me! No I am not an instructor(franchisee)...I don't even know if they make their's money worth...all I know is that I pay my monthly fee and go to as many classes as I want...I can 6 days a week, which includes Saturday's...I love it!