What if almost everything you were ever told were a lie? Would you like to know?

The Movement Towards True Freedom

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The real side of money, wealth, and freedom you were never taught.  Would it be worth learning?


Your time is your life.  You can spend it or invest it.  What are you getting in return for it?


Your identity is your lid on life.  What if we were born for success but taught how to lose?

“Most people live above their means and below their potential.  It doesn’t have to be that way and it cannot stay that way.”

How is it that in a free country so few of us are truly free?

Could it be that we’re sold the dream, but end up living the nightmare – stressed out, maxed out, underpaid, overworked, and underappreciated?  And we’re supposed to be grateful for it!?!?

True Freedom is the product of money, time (our life), and identity.  If any one of these go missing, so goes our Freedom.  Imagine building competence and confidence in each, making you unstoppable in business, career, relationships, money, and life.  More importantly, other than reaching the end with despair and regret, what’s your alternative?

It’s not too late to pull the person you were meant to become out of the person you have become.  But we better get started.

What’s Going On?


  • 45% of working-age Americans have zero dollars in any long-term savings, personal or with their employer.
  • 46% cannot come up with $400 in case of an emergency.
  • Average debt per U.S. household is $132,000, not including their home mortgage.
  • The average student loan debt is $40,000, with cumulative $1.5 Trillion in the U.S.


  • The average person will hold 12 different jobs between ages 18 and 48.
  • Inflation-adjusted wages haven’t increased in 40 years.
  • 27% of college graduates had a job related to their field of study.
  • An estimated 1 million people are absent each day from work due to stress.


  • Negative wealth shock (losing 75% of wealth in 2-year period) increases mortality rate by 50%.
  • Less than 3% of Americans live a healthy lifestyle with two-thirds clinically overweight or obese.
  • 16.2 million U.S. adults experience depression in any given year.
  • According to the WHO, one-third of all cancers are preventable.

What is Broke Is No Joke?

Broke Is No Joke is the movement towards true Freedom. It’s the truth you’re not supposed to know about all those things you care about the most.

It’s the sorely-needed real discussion about money, wealth, and Freedom for real people.  All those things that schools don’t teach, parents don’t know, and the Industries-that-be would rather you never find out are openly taught, discussed, and challenged. 

It’s also the wake-up call that hasn’t been answered because we’ve been convinced that that noise we hear isn’t the phone ringing.  But we know deep down that the price will always be paid, either now or in the future.  The only difference is what we get in return.

This is not just a platform of awareness, choice, and change.  It’s a movement to save entire generations from the regrets of our parents and to build a new appreciation and access to the Freedom we all desire.

I've tried everything already.

Everything?  Really, everything?  I promise had you tried everything, you probably would have found one thing that worked.  This isn’t a thing.  This is an awareness process to open more doors.  Besides, what do you have to lose?  Take a look around.  Now, what do you really have to lose?

Is this another motivational type personal development?

Actually, this is the problem we are fixing.  Most motivation is gone by the time you hit the parking lot or close the book.  You become the Mario Andretti of your life but must go back to a 1979 Ford Pinto of a vehicle.  Even Mario Andretti isn’t winning any Formula One races driving an old beater car.  We must build that Formula One Ferrari while we’re teaching you how to drive.

Is this Life Coaching?

Not really.  Most life coaches want to focus on effects instead of real causes and cover it up with positivity.   It’s like using a flowery spray to cover up a stinky bathroom.  Instead of smelling like roses, it just smells like flowers and crap;  and then they want to decorate the bathroom.  What if we just fixed the backed up sewer pipe and let the smell clear itself?  It’s not easy to diagnose causes versus effects, but it’s also essential that we do just that for any chance of long-term success.

But I'm doing okay. It's all good.

That’s the point.  It’s natural to love eating bologna when you’ve never had steak.  But why stop there?  Who told you this was the top?  At what point did you decide that it was over?  While most people tiptoe through life hoping to make it safely to death, what if you maxed it out and became the best version of yourself?  They say that you only have one life to live, but if you do it right, that should be all you need.

Why now?

Because Baby Boomers are trying to retire with too little money after a life of loyalty to their employer.  Their Gen X kids have even less money and are working thankless jobs hoping things still work out somehow.  Their Millennial kids don’t even have thankless jobs and instead are searching for meaning and purpose in life.  And they are raising Gen Z who are about to enter “adulthood”.  How much longer should we wait?

Becoming Free

You know in our free society how most good people don’t have all the money, time, and self-worth they need to be truly free?  What I do is help people dis-cover the truth, monetize their passions, and become the best version of themselves so that they can attain and enjoy the Freedom that they so desperately desire.

A word of caution.  I don’t have all your answers.  Well, actually I probably do but that won’t help you.  The good news is that you already have the answers you need.  The challenge is that you’re not asking the right questions.  So we will ask the questions nobody is asking to reveal the answers everyone wants, in order to have the business, career, relationships, finances, and life that they desire.

Josh’s enthusiasm and his abrasive honesty rocked me to my core. His tenacity and ability to read through my b*s and call me out when needed or make me stand up for what I truly want was life changing. For the first time in a long time I had someone meeting me at my level and holding me accountable.

Believe it or not, the most helpful part of the entire process was feeling like our time together was valuable, that he cared, but that he wasn’t going to waste time if I wasn’t ready to do the work.  I had to face the woman in the mirror filled with excuses (which I so eloquently disguised as “ideas and reasons”) limiting me from being my best self in the financial sector. I appreciated how he values himself as much as he wants me to value me.

I would so recommend Josh Zepess to anyone who is ready to take a good hard look out how to get out of their own way and back on the road to success!

Jackie Victoria

CEO, Founder, Invincible Victoria

I consider myself fortunate and blessed to have met Josh.  He has that rare ability to synthesize complex human/personal obstacles and unpack their meaning.  He helps you to under the why and the how it impacts and affects you. It’s truly discovering this knowledge within yourself and understanding it, that allows for complete freedom and empowerment.  We have a habit of sabotaging ourselves and Josh will help you break those chains.

Peter T. Cook

CEO, Founder, Plane It Safe

What I’ve learned is his passion and full fledged commitment to waking people up to the truth. His Broke is No Joke is an amazing vehicle to showcase and highlight many of the negative and problematic issues within the current systems including financial and ways people have been taught about money. His simple, practical and unpretentious attitude holds charm, sincerity, value and respect. I highly recommend working with Josh and Broke is No Joke. Your time, energy and money will thank you.

Monica Heiz

CEO and LIfestyle Advisor

I recommend Josh as a speaker and writer. He has a message of truth and caring that is well worth hearing for everyone. He has excellent speaking and writing skills to get that message across. I enjoyed working with him on, Slap Yourself, his new book.

Melanie Barton-Gauss

Owner, Namaste World Travel

It’s always a pleasure to associate with people of Purpose, Passion,Vision and Integrity. As the State Director of CEO CLUBS of which we are honored to have Josh Zepess a member of, I can speak for the entire network here in Florida of his focus, heart and desire to improve the lives of those he works with and even just comes in contact with. I hope that those reading this recommendation might sense they need to connect, contract or find a way to build some type of an alliance / relationship with.

Donald Ward


How It Works

The Wake-up Call

It all starts here.  We challenge everything you think you know.  From purpose to passion, start to finish, we take a journey that results in the blueprint of what an ideal life would be for you by asking the tough questions to get the real answers.



We tear down everything you were told so that we can pour a new foundation.  One that is able search out, find, and accept the truth, create beliefs that serve, and has the mental toughness to weather any storm.

Get to Work

With the right foundation, you may get to work with the excitement and fulfillment of building all things worthwhile to you.  We equip you with the tools, techniques, and the ever-increasing competence required to build a masterpiece of a life.


As the master architect of all around you, you are at the controls.  You may spend your life fulfilling your purpose,  sharing your gifts, and inspiring others to do the same knowing that nobody and no thing can stop you.

A Fortune for your Thoughts