If we could push JavaScript performance to be another order of magnitude faster it wouldn't be necessary to use other languages, imho. Of course, pushing it that far without effectively creating a new one would be difficult, to say the least.
In the future -- forget about cosy job you can be doing for the rest of your life. You no longer have any guarantees even if you own the business and even if you are farmer.
What you absolutely don't want is spend X years at uni learning something, and then 5-10 years into your "career" finding out it was obsoleted overnight and you now don't have plan B.
Side note: what HOA needs more than $250K in reserves? I'm all for a rainy day fund but I'd be asking for a reduction in dues...
New firm you get your personal account temporary RW permissions via a centralized service.