If you do not own a piece of cardio equipment such as a treadmill, your trainer can design your exercise routine so that you do not need formal "cardio" to experience the benefits of cardiovascular exercise. This is accomplished through circuit-style exercise where you do not stop to rest between exercises, or cardio exercise that can be done indoors without much space via free workout videos. Going outdoors for some of the cardio is also an option and we can advise you on that. One of my favorite free ways to get outdoor cardio is going for walks with a weighted backpack (also known as rucking). Many gym memberships cost around $15 per month these days and will allow you to have access to cardio equipment if you need or want it. I personally was able to find a $50 Exercise Bike from Craigslist and I've used it several times per week for the past 8 years with no problems! Don't let money stop you from finding ways to do cardio.