What Hajj is
Hajj is an act of worship that Allah made a duty for people who are able to make the journey to the House, as mentioned in Quran 3:97. Being able means having enough health, enough money for the trip and for the family left at home, and a safe way to travel. Scholars differ on whether a woman needs a mahram to travel for Hajj: the Hanafi and Hanbali schools require one, while the Maliki and Shafi'i schools accept a safe group of trustworthy travellers.
If you are not able yet, the duty does not apply to you yet. A qualified local scholar can help you with your own situation.
The Prophet Muhammad ﷺ said that an accepted Hajj has no reward less than Paradise. He also said that whoever performs Hajj and avoids bad speech and wrongdoing returns as clean as the day his mother gave birth to him.