You asked!
We had our in ground pool put in in Sept. 1988. In the late 90's we had the whole thing redone, new updated electrical, new wiring to the pool light, new diving board, liner, automatic chlorinate, pump, filter, energy star heater.
Now we are getting the landscaping redone around the pool because it's all overgrown, and a new winter cover.
It has always been a big expense, but we knew that going into it. It looks great and is a lot of fun. Our DS is 19 and still having pool parties. He grew up with the pool. When he was 3-8 we had the YMCA come in and give swimming lessons to him and 5 others in the neighborhood 3x a week. They are all great swimmers.
We've had some fun BB Q's and MANY games of Marco Polo (my favorite)!
The initial cost was 20k, we have put another 20k into it already not counting this years landscaping ($? I keep adding things so I don't know what it will end up costing), and pool cover ($2500). Also a new automatic cleaner, the last one lasted me 16 years!
Chemicals can run around $500-$600 a season (I shop online for them now...get better deals than our local pool store). The electricity it takes to run each month and the gas for the pool heater is another expense, got to love energy star products.
So Yes, it's a luxury, but we love it and don't regret having it. We are not planning on selling our house, so DS will have to deal with it someday when we are gone...or not!