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I'm no expert, but I know it's definitely going to cost you WAY more than 20K for a pool. I have a friend that instead of outsourcing everything to a company got all the various contractors on his own and his 10,000 gallon pool ended up costing him a tad over 40K. Then I also have a friend down in OC that just had hers done, and it's along the lines of what Easton posted, and hers ran her 90K... so definitely you'll be spending more than 20K, especially since you live in Phoenix, where those things are in high demand.
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