Financial Freedom Shouldn't Cost Your Mental Health

I didn't come from finance. I came from the real world—serving tables, bartending, and chasing dreams that didn't pay the bills on time.

From the time I was 17, I was deep in hospitality. The kind of work where you're on your feet for ten hours, where the people become family, and where your income swings wildly depending on whether it's a Tuesday in January or a Saturday in summer. One month, I'd feel like I was finally getting ahead. The next, I'd be staring at a credit card statement that somehow kept climbing—even when I was working six days a week.

I wasn't buying anything extravagant. I was covering groceries, gas, the unexpected car repair, the insurance payment I forgot was due. Life. And every month, the minimum payment felt like throwing pennies at a mountain.

The Weight No One Talks About

Money stress is quiet, but it's heavy. It doesn't announce itself—it just seeps into everything. Your confidence. Your sleep. The way you show up in relationships. The opportunities you pass on because you're not sure you can afford them.

I started noticing a pattern in the people around me—coworkers, friends, even family. We were hardworking. We were responsible. We just were never taught how to see the full picture. No one explained how interest actually compounds, or what it means to pay strategically instead of emotionally.

The Moment It Clicked

For years, I talked about building something that could help people like me. Not another budgeting app that makes you feel guilty for buying coffee. Something that actually understood what it feels like to be stuck—and gave you a real, actionable way forward.

The name Ovr came from that feeling—that moment when you finally get over the hump. Not just financially, but emotionally. When you stop feeling crushed by your debt and start feeling like you have a plan.