The Founder’s Story

I started in the trades — hands-on construction work that taught me craft, grit, and responsibility. What I didn’t understand at the start was how fast taxes can snowball when you’re self‑employed.

That first year I finished strong and then discovered I owed CRA far more than I had set aside. The next year I tried to do both: pay off last year’s bill while keeping up with this year’s taxes — all while raising a family and paying the bills. Penalties and interest kept stacking. Each year, the arrears got deeper and catching up felt further away.

By the time it hit $80,000, a workplace injury ended my construction career. I had to face it head‑on and negotiate a consumer proposal to clear the debt and get back to zero.

That experience is the reason NeverØwe exists. It’s built for people like me — contractors, gig workers, small business owners — who need to see taxes in real time, set aside the right amounts automatically, and stop the spiral before it starts.

NeverØwe is about taking control early, so the work you’re proud of never turns into a bill you dread.