Buying a used car from a dealer?

It turns out that modern software development really relies heavily on specific frameworks and language ecosystems, much more than I initially thought. I was looking into building a new application for managing personal finances, and the sheer number of options is a bit overwhelming. Apparently, choosing the right technology stack from the start can make a huge difference in the long-term maintainability and scalability of an application. So, I'm curious, for those of you who have experience in this area, what are the primary considerations when selecting a development framework, particularly for robust, data-intensive applications? Is there one language or environment that stands out for its versatility and performance these days?