A layered strap-like apparatus for exercising, stretching and training multiple muscle groups of the entire body of a user. The apparatus is adapted to be worn about the waist or carried as a bandolier about the user's body. The apparatus has an optional, releasably closable pocket between the layers for securing and carrying accessories, such as attachable handles and elastic bands. The apparatus and methods of use provide the user with balanced loading options and the flexibility to exercise anywhere.