>>60923239
If you have never had a pool before, don't get an in-ground pool as your first expense. Buy a cheap above ground pool, level the ground, build a deck for easy access, and educate yourself about pool maintenance (chemicals, cleaning) and expenses (water, electricity).
In ground pools are stupid expensive to build due to the excavation, plumbing, rebar + concrete, and labor costs. You have to replace the plaster every 10-15 years which will cost 5-10k. You also need a fence to meet building codes, and ideally a safety cover.
You need to constantly supply the pool with chlorine. You have to pay money for electricity to run the pump. There's also the cost of water - water evaporates in hot desert climates. Leaves are always falling into your pool and you have to clean them out if it's not covered.
Pool season is not long enough and most don't use it enough to warrant the large expenses. There are maybe 2 weeks of days where it's above 30 degrees. People don't really go into pools themselves, they want to go in with family/friends.