A warning that artificial intelligence, quantum computing and robots will upend work within three years — bad news for white-collar workers, potentially good for anyone who retrains early.

• Tony Robbins expects AI smarter than any human within a few years, and machines matching all human brains combined within five or six.
• Quantum computing is the bigger near-term risk: whoever gets there first could crack rival military codes and bank security, and some big US banks are not protected yet.
• Software jobs are already going — a 60-year-old engineer laid off with 650 others after his company was sold and rebuilt around AI agents.
• The gap is in trades and care work: the US is short 500,000 electricians and 500,000 nurses, jobs that pay well and are not easy to automate.
• New government-backed savings accounts give babies born during this administration $1,000, with employers allowed to add yearly — money meant to replace a $400,000 college debt trap.

Outlook: Expect more layoffs in coding and office work over the next 18 to 36 months, with retraining into skilled trades, nursing and AI engineering as the main escape route.