A LITTLE ABOUT ME
Hi there! My name is Brighton, and I’m the founder of Wealth Marathon. I’m also the author of “Master Your Mortgage: What the Bank Won’t Tell You About Buying the Right Home” and a licensed mortgage broker serving clients in British Columbia, Canada.
In my 30s, I set an ambitious goal for myself: to achieve financial independence by the time I turned 40. I don’t know why I chose 40, but it seemed like a good age and number to aim for. Through Wealth Marathon, I share my journey towards reaching this goal and sharing my knowledge about money to help others who want to become financially independent too.
As Seen In
WHAT STARTED IT ALL
My journey towards financial independence all started when I turned 30. While updating my resume one day, I realized I was unhappy. My unhappiness wasn’t about my life but feeling a sense of going through the motions with no real purpose. I knew what I wanted to do but always felt this lingering fear or restriction. At first, I thought it was my job, so I tried changing jobs, thinking if I found the right job, perhaps the right job would bring happiness and purpose to my life; that’s why I was updating my resume. But changing jobs wasn’t going to fix my unhappiness. My job at the time and all the previous ones I held weren’t the source of my unhappiness. For the most part, I had good co-workers and managers, and the pay was okay. Sure, they weren’t all perfect jobs, but none of us are. So, if the job I had or held wasn’t the source of my unhappiness, what was it then? I thought perhaps it would be easier to identify when I was happiest, and that would give me a better understanding of what I required to be happy. I reflected and realized I was happiest when I wasn’t working, great… which was after the hours of 5 pm on weekdays and on the weekends until 10 pm on Sunday ( when I go to bed for work on Monday). I passionately hated Sunday nights unless followed by a statutory holiday, in which case, I hated the following Monday night instead of the Sunday. I begrudgingly accepted the Tuesday after a holiday because it resulted in a shorter week. My love for Fridays and Saturdays wasn’t healthy, but it also wasn’t the cause of my unhappiness. Besides, the idea of me not working wouldn’t help me become financially independent sooner. As I further reflected, it dawned on me that the root cause of my unhappiness was what I had to give up to have job security. To have a job, I had to give up my most precious and non-renewable resource: my time. At the rate I was going then, I was en route to filing a time bankruptcy soon.
LIFE IS SHORT
That understanding became even more clear upon my father passing away. I was now in my 30s; I just kept thinking, what am I doing this for? What exactly am I working for? The desire to be able to be more purposeful with my time became more intense as, in my 30s, the urgency felt stronger than usual. It felt stronger because I increasingly became aware of how little control I had over my time. It also became clear that I wouldn’t gain control over my time any time soon, doing what the standard approach we all follow. You know, go to university, get a job, buy a house, start a family (if you wish), and retire in your 60s. Be thankful to have a job and be reduced to only having control of your time after work. Most of us accept this path because everyone is doing the same, so we never challenge or question it.
Most of us work jobs because they provide an income source, not because we are passionate about what we do. And since we spend more time at work than with those we love, which means most of our time is spent doing work that we don’t care for but rather do because that’s how the system is set up, and we all have to make money.
THE COST OF A JOB
Time is a non-renewable resource. You can’t increase the amount of time in the day. You can only control what you do with your time and the people you spend it with. The time cost most of us are paying to have a job is increasingly more expensive with each passing year. As I’ve mentioned, you can’t increase your time; you can only hope to control what you do with your time. I needed to make a change. I decided to make plans that would eventually help me take complete control of my time and what I did with it. I was going to take everything I had learned about money while working at the bank to help me craft the type of life I wanted for myself and my family, not the one that was being imposed on me without any input from me.
That’s what I’ve been working towards over the last several years, and each year, I get closer to having complete control of my time. It’s been a fun and challenging journey. I have had a lot of success but also many setbacks. That’s how Wealth Marathon was born. In reality, it’s a place to help me stay focused and accountable on my goal of getting complete control of my time while sharing everything I have learned and helping others who wish to take control of their time.
Now, I’m not here to tell you to quit your job or launch a YouTube channel or blog. I still work, which is still part of my financial plan to retain control of my time.
There is a misbelief that financial independence requires you not to have a job, and that’s false. Financial independence is about financial stability; for some, that might mean not having to work, and for others, it might still mean working. Financial freedom isn’t a one-size-fits-all, as we all have unique situations and circumstances; ultimately, it’s about having financial stability and options. Life should be more than just about money. However, if you don’t spend the time to learn the basics of money and wealth creation, you end up making your life be about nothing but money.
WEALTH. IT'S NOT A SPRINT. IT'S A MARATHON®
That’s my motto, and I bring that up because it’s important to note I am not a get-rich-quick personality or business. I wish this journey could be instant, but the reality is wealth that’s earned quickly also results in it being lost quickly. You want to build your wealth like a marathon mindset and ensure your money can last in that condition rather than a sprinter-type wealth. But most importantly, you want to avoid believing this can happen overnight without little to no work. It happens in movies, which is why they usually involve getting lucky. But luck isn’t a strategy. That’s why you want to play a long game and work on patience, and you will succeed.
WHO IS WEALTH MARATHON FOR?
Wealth Marathon is a community designed to help individuals learn how to create lasting wealth and meet other like-minded individuals while working towards financial independence to control their time completely and how they spend it.
If you’ve never gone to the bank or hate dealing with the bank and want to know all the secrets they don’t want you to know about your money, Wealth Marathon is for you. Wealth Marathon is for you if you are unhappy with your job or constantly find yourselves only being happy about Fridays and Saturdays and want more purpose in your life. If you want to learn how to put your money to work by investing your money, Wealth Marathon is for you. If you want to learn more about real estate investing, Wealth Marathon is for you. And if you’ve got a family or would like to start a family one day and want to secure more time with them, Wealth Marathon is for you.
WHAT QUALIFIES ME TO TALK ABOUT MONEY?
Let’s get something out of the way. Anyone can talk about money because all of us have experience with money. However, talking to other people about money and how to help them with their money issues require some skills and additional knowledge. You are ready to join the community if you’ve read this far. But let me provide you with my educational and financial experience for additional assurance. I’ve worked for some of Canada’s largest banks, including Scotiabank and CIBC, and am a licensed mortgage broker. During my decade-long time in the financial and real estate industry, I have held the following roles: Financial Advisor, Credit Analyst and Underwriter.
I also hold the following degrees and certifications.
- Bachelor in Business Administration from Kwantlen Polytechnic University ( go KPU!)
- Wealth Management Certificate ( Basically how to manage people’s money)
- Canadian Securities Course (course you need to sell an investment to people)
My experience is a blend of educational and lived experiences. So, I learned from the banks and shared their knowledge without the sales pitch.
WHAT MAKES COACHING WITH ME DIFFERENT?
So, why do I offer a coaching option? Sometimes, the difference in reaching a goal comes down to the right mentor or coach. I prefer to use the term coach as, to me, a coach doesn’t imply they will do the work, but instead, they can provide guidance to help you reach your goal.
Given my long career in the financial industry, I have acquired much knowledge. But anyone can cite you money textbook stuff; what makes me different is that I merge textbooks with real-life reality. There is little value in speaking to a financial advisor who may not be better positioned to reach the goal for which you seek advice. When did you last ask your financial advisor for their retirement plan? The best advice comes not from someone who knows how something should be done but instead knows what should be done because they have or are on a path to complete what you are looking to complete. My coaching is meant to help those who might be close to retiring but need an actual retirement plan or draw-down plan or those ready to plan their financial independence.
My coaching isn’t about selling you a product but instead doing a deep dive into your financial independence plan and providing an honest and straightforward assessment. I will share practical and straightforward knowledge that’s worked for me and will help you transform your financial and personal life to help you reach financial independence.