It used to be completely possible for a median income household to have a pool. I don’t get why this thread is so hostile to your bland take tbh. House = loan, new appliances = loan, remodel = loan. These are things that the middle class has historically been able to afford via credit and it was normal.

Would I take on a loan for a pool in this economy even with good pay? Absolutely not. 100k is the new 50k and it sucks.