Welcome aboard, Jeff! Be prepared for a little sticker shock as you start looking into the hobby. Track prices are especially steep, having doubled in price just last year. Escalating cost of copper, etc.
The good news is, most of the costs in this hobby are pretty nearly a one-time expense. Good track will last indefinitely, so once it’s laid you’ll have many years of pleasure. Good locos should last several years, if well maintained.
And as Hans has pointed out, your track and trains aren’t going to fall out of the sky if something goes slightly wrong! That’s an experience I’m familiar with myself – my other hobby is rocket aerial photography. There are many ways there to lose a large chunk of cash in a hurry – motor failures, recovery failures, lost rockets, etc!
It’s taken me two and a half years to get my layout up and running, now I’m finally enjoying the fruits of my labor and spending a lot less on construction material. I still have a lot of mines, buildings and other structures to make, but that’s not as costly as track, concrete, etc.