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Being a cardiovascular activity, the #1 muscle affected or toned-up is the HEART & circulatory system. Improves lung function – tones leg & butt muscles.
Your wallet will grow fatter riding a bike to work, short errands, etc.
glutes
calves
quads
basically, your legs and butt 🙂
and possibly end up ‘toning’ the rest of your body by reducing body fat! 🙂
Mostly you heart and lugs the rest would be obvious.
Your wallet.