you need to check the market you are in. See what the going rate is and start there. Unless you have some stellar credentials that set you apart from the start from all the other trainers around you, you need to charge about the same. If you choose to train at people’s homes, an upcharge for travel is appropriate.
Personally, I charge all clients the same regardless of my perceived assessment of their ability to pay more. I have made allowances when people fell on hard times but that was always a temporary arrangement.