Owners Table

In this guest appearance on the Destined for Success Podcast, Thomas joins host Jennifer Takagi to share his journey from college football coach to entrepreneur, investor, and financial educator.Thomas reflects on how coaching prepared him for business ownership, the growth of his catering companies, his transition into real estate investing, and how discovering the Infinite Banking Concept changed the way he thinks about building wealth.The conversation also explores common misconceptions about money, why wealth is a tool for creating opportunity, and how Infinite Banking can help business owners, investors, and high-income earners gain more control over their financial future.

In Part 2 of this conversation, Fate Hudson shares how a chance introduction to roofing became the foundation for building Green Valley Roofing & Construction.Fate and Thomas dive into the realities of entrepreneurship, hiring key team members, construction management, real estate investing, and the lessons learned from costly mistakes. They discuss scaling a business, avoiding common contractor pitfalls, investing in commercial real estate, and why understanding your market matters more than chasing every opportunity.The conversation also explores leadership, raising children to face challenges head-on, the future of entrepreneurship in the age of AI, and Fate's vision for real estate development in Birmingham.

In Part 1 of this conversation, Fate Hudson shares his journey from Auburn economics graduate to healthcare administrator, real estate investor, and eventually business owner.Fate and Thomas discuss the power of networking, learning through experience, taking calculated risks, and why identifying what you don't want to do can be just as valuable as finding what you do. Fate also shares lessons from healthcare management, real estate investing, house flipping, and building a business from the ground up.

What separates successful business owners from those who constantly struggle with cash flow?In this guest appearance on the Close the Deal Podcast, Thomas shares why many entrepreneurs are experts in their craft but never learn the financial side of business. He breaks down the importance of knowing your numbers, managing cash flow, building margin, and creating systems that help your money work harder.Thomas also explains the Infinite Banking Concept, how business owners can take back the banking function in their lives, and why understanding capital is one of the most valuable skills an entrepreneur can develop.

Thomas is a guest on The Next Level Income Show with host Chris Larsen for a deep conversation on entrepreneurship, athletics, discipline, and the Infinite Banking Concept (IBC).Thomas shares how his background in college football coaching shaped his approach to leadership, delayed gratification, consistency, and business ownership — and how those same principles apply to building long-term wealth and financial freedom. The conversation explores how athletes and entrepreneurs often develop the mindset needed to think long-term, take calculated risks, and build sustainable success over time.Chris and Thomas also dive into the Infinite Banking Concept pioneered by Nelson Nash and discuss how specially designed whole life insurance policies can be used as a savings and liquidity tool for investors, business owners, and high-income earners.Thomas also shares real-life examples of how he personally uses these strategies for lending, investing, business growth, and long-term family wealth planning.

On the Opening Pathways podcast, host Tom continues his conversation with Thomas Cox in Part 2.Thomas breaks down how to know when to pivot versus push through, using real examples from his business journey—including walking away from opportunities and learning from costly mistakes.They also discuss how to approach risk, use fear as information, and build habits, boundaries, and discipline that support long-term success.The episode closes with a practical look at legacy—what it means to build something that lasts beyond you, both financially and personally.

In this part 1 episode, Thomas is a guest on the Opening Pathways podcast where discusses his journey from college football coaching to entrepreneurship and investing.He shares how he transitioned out of coaching without a clear plan, built a meal prep business that evolved into catering, and eventually stepped into real estate investing, private lending, and finance through Cox Capital.The conversation explores key mindset shifts around income, freedom, and risk, along with the importance of surrounding yourself with the right people and continuously learning. Thomas also breaks down how faith, discipline, and hard work have shaped his approach to business and life.If you’re looking to build multiple income streams, think differently about money, and create more freedom in your life, this episode offers both perspective and practical insight.

In Part 2, Thomas Cox continues the conversation on the Time to Shine Today Podcast, going deeper into the behavioral side of wealth building, where most people actually fail.While appearing as a guest, Thomas unpacks how smart, high-performing people still lose money by over leveraging, chasing too many opportunities, and operating without margin.Thomas also shares what he would do differently starting over; emphasizing getting in the right rooms faster and learning how to communicate, sell, and build relationships earlier.The episode closes with a strong focus on habits over goals, reinforcing that long-term wealth is built through standards, consistency, and discipline... not motivation.

In this episode, Thomas joins the Time to Shine Today Podcast as a guest, where he breaks down the real strategies behind building durable, long-term wealth.Speaking to an audience of entrepreneurs and high performers, Thomas challenges the conventional belief that Wall Street and traditional retirement accounts are the primary path to financial success. Instead, he walks through how the wealthy actually think—focusing on control, access to capital, and alternative investing strategies.He explains concepts like infinite banking, private lending, and strategic cash flow, while also addressing the hidden traps that keep high earners stuck—like lifestyle creep and lack of financial margin.If you’ve heard Thomas teach these concepts before, this episode reinforces them in a real-world conversation. If you’re new, it’s a strong introduction to how he approaches wealth building.

In this episode, Thomas joins The Profitable Podcast as a guest to share how he built multiple businesses, transitioned out of day-to-day operations, and moved into finance to help people better understand and grow their money.He explains why most people struggle with managing income, how to create multiple revenue streams, and what it actually takes to build a consistently profitable business. The conversation also covers infinite banking, the importance of sales and consistency, and simple but critical lessons for new business owners—like meeting with people, learning your craft, and surrounding yourself with the right influences.

In Part 2 of this conversation on Success Profiles Radio, Thomas Cox explains the Infinite Banking concept and how wealthy families use whole life insurance to create liquidity, fund investments, and build long-term wealth. He breaks down how this strategy works, who it’s best suited for, and why control over your capital matters.Thomas also covers the difference between term and whole life insurance, how policy loans can be used for business growth and debt payoff, and why business owners, investors, and high-income earners may benefit most from this approach.

In this episode Thomas is a guest of Success Profiles Radio, with Brian K. Wright . He shares how he transitioned from a decade-long career in college football coaching into building multiple businesses, including catering, vending, and finance ventures.He opens up about one of his biggest business failures — losing $80,000 on a destination wedding company — and the critical lesson of staying within your expertise. From there, the conversation dives into the mindset and mechanics of building wealth.He also shares a powerful early lesson in investing (dollar-cost averaging) that ultimately helped him purchase his first real estate deal — and explains how ordinary people can begin building wealth using similar principles.This episode is a practical, no-fluff breakdown of how to think, act, and invest differently to build long-term financial freedom.

In Part 2 of Beyond the Bottom Line Podcast, Thomas is a guest and goes beyond cash flow and breaks down the bigger wealth framework most business owners never build. He explains the 4 Corners of Wealth—business income, real estate, Wall Street, and infinite banking—and how they can work together to create stability, liquidity, and long-term legacy. This episode covers leverage, margin, generational wealth, and why true wealth building is about more than just making money.

On this episode , Thomas Cox sits down with financial strategist Joel Allen on the Beyond the Bottom Line podcast , to unpack a topic most business owners were never taught: how to control capital instead of constantly relying on banks.Thomas shares his own journey — from doubling revenue but still wondering “where’s all the money?” to building operating margin and implementing the Infinite Banking Concept inside his businesses.This is not theory. Thomas walks through real numbers and real scenarios from his own businesses — including how he used policy-backed capital to fund opportunities without losing momentum.If you’re an entrepreneur who makes money but wants to keep more of it working for you, this conversation will shift how you think about cash flow, capital, and control.

In this episode of The Profitable Podcast, Matt Nettleton sits down with Thomas to break down a simple but powerful framework: every business needs three revenue streams.Thomas shares how he built multiple businesses across meal prep, catering, vending, and finance — and why relying on a single income source keeps most owners stuck. He explains how diversifying revenue creates stability, scalability, and long-term freedom.If you're a business owner who wants more stability, better cash flow, and a path to true ownership instead of constant operation, this episode gives you a practical blueprint.Stay focused. Keep working. Stay profitable.

In Part 2 of this conversation, we go beyond career transition and into wealth strategy.After leaving college football and building multiple businesses, Thomas shares how his financial philosophy evolved — from Dave Ramsey disciple to real estate investor to implementing Infinite Banking as a long-term wealth accelerator.This episode challenges traditional financial thinking and reframes wealth building as a strategic progression — not a one-size-fits-all formula.If you’re a business owner, investor, or high-income earner looking to optimize cash flow and long-term legacy planning, this is the conversation you’ve been waiting for.

What happens when your dream career no longer feels like your calling?In Part 1 of this powerful conversation, Thomas shares his journey from growing up in a middle-class household shaped by financial stress, to fulfilling his childhood dream of coaching college football — only to walk away after 10 years.This episode is about identity, calling, legacy, and making bold decisions when comfort is no longer aligned with purpose.If you're wrestling with whether to stay where you are or step into something bigger — this conversation will challenge you.Part 2 will dive deeper into how those lessons translated into building business and legacy wealth.

Your business may be your biggest asset — but most owners don’t treat it that way.In this episode, certified financial planner and exit-planning specialist David Chudyk breaks down why business owners often undervalue their companies and how to build a business that creates real wealth and real options. Whether you plan to sell one day or keep your business long-term, the same principles apply.We talk about what actually makes a business attractive to buyers, the mindset shifts owners need to make, and how exit planning can improve both the value of your business and your quality of life today. David also shares insights on financial planning, investing, risk management, and why good financial decisions should support the life you want — not just a bigger balance sheet.

What does it really take to build a seven-figure business — and avoid burning out once you get there?In this episode, Thomas is a guest of the Profit Your Knowledge podcast with James Allen and he shares how he scaled his catering company to seven figures, then transitioned into real estate, private capital, and Infinite Banking to create long-term financial margin.You’ll learn:Why most businesses fail after they start making moneyThe difference between six-figure and seven-figure decision-makingHow hiring the right roles (not more people) creates freedomWhy cash flow discipline matters more than revenueHow Infinite Banking works as a financial warehouse, not an investmentThis episode is for business owners who want growth without chaos — and income that supports freedom, not just scale.

How do wealthy people actually think about money—and what strategies do they use that most people never learn?In this episode Thomas is a guest on the Weekly Wealth Podcast. He breaks down how business owners and investors deploy capital, access liquidity, and build wealth outside of traditional banks and the stock market.

What if there were a legal way for business owners to write off six figures a year, keep access to their money, and build guaranteed retirement income?In this episode, Thomas Cox explains how high-income clients use a 412(e)(3) retirement plan paired with properly structured whole life insurance to reduce taxes, maintain liquidity, and stay in control of their capital.Using real client examples—including Jessica, a real estate investor earning over $1M—Thomas shows how business owners can deduct $150K–$400K annually, avoid market volatility, and use their own money to fund growth without relying on banks.This episode is for business owners, doctors, and investors who are maxing out traditional retirement plans and want a smarter way to manage taxes and cash flow.

In Part 2, Heath Holmes shares the leap from corporate leadership to entrepreneurship, breaking down how he built a scalable, high-ticket service business by identifying unmet customer needs. This episode covers starting lean, choosing the right marketing channels, pricing early work for learning—not profit—and tracking ROI. Heath also explains why “duplicate, don’t delegate” matters and how data, customer experience, and purpose drive sustainable growth.

Heath Holmes shares his unconventional business journey—from managing a pest control branch to helping build a standout moving company and stepping into executive leadership roles across multiple industries. In Part 1, Heath breaks down how learning KPIs, forecasting, and operational fundamentals created massive career leverage—even after unexpected setbacks. This episode explores leadership under pressure, the power of knowing your numbers, and why unglamorous industries often create the biggest opportunities.

What happens when a college quarterback’s biggest wins aren’t on the field?In this episode, former UAB quarterback Thomas Cox shares the unfiltered story of stepping into the spotlight unexpectedly, beating ranked opponents, and learning what prepared leadership really looks like—then walking away from football to build multiple successful businesses.

In Part 2, David Morrison shares how he built a thriving construction company after addiction, debt, and starting his business in rehab. He breaks down real-world lessons on cash flow, margins, leadership, and growing a business without losing your people—while reflecting on faith, recovery, and legacy.

David Morrison went from addiction and prison to rebuilding a stronger life and business than ever before. His comeback story is raw, powerful, and unforgettable.

Thomas breaks down the 9 biggest misconceptions about Infinite Banking — from “It’s just life insurance” to “Dave Ramsey says it’s a scam.” No hype, no sales pitch. Just simple explanations of how IBC actually works, why high-income earners use it, and how it gives you more control, liquidity, and uninterrupted growth. A must-listen if you’ve ever wondered whether Infinite Banking makes sense for your situation.

In Part 2, Thomas and Devin get into the real-world strategies that make salespeople successful — handling objections with confidence, creating client-referral momentum through smart gifting, and structuring each day to actually win in business. Devin shares the mindset and habits that took him from new rep to top performer, plus practical advice on cash flow, appointments, and staying consistent in a commission-based world.

At 27 years old, Devin Gillam has already lived three lives — broke college grad, missionary baseball player in Sweden, physical therapy student, and now one of the top Cutco sales producers in the country. In this episode, Devin breaks down how a random Snapchat ad during COVID launched a six-figure sales business, how he sold $300K of knives while in PT school full-time, and the systems, coaching, gift-giving strategy, and discipline that took him from “I had no clue what I wanted to do” to a thriving business owner. If you’re in sales, entrepreneurship, or just need to hear a story of grit and growth, this episode will pull you in fast.

In this episode, Bert Barrow shares his journey of losing everything—from being a bank president to selling burial policies and cleaning buildings with his family—and how faith and perseverance helped him rebuild his life. He opens up about learning humility, trusting God through uncertainty, and finding strength in hard work and generosity. Bert also offers candid advice on business lending, risk management, and staying in your lane as an entrepreneur. His story is a powerful reminder that failure isn’t the end—it’s often where faith and purpose begin.

In part 1, Thomas talks with deal-maker and former commercial banker Bert Barrow about how he went from “last in, first out” to creating his own path in lending. They dig into why banks cap your success, how one $3,500 risk turned into a $27,500 payday, and why the money still didn’t feel like enough.

In part 2, Thomas Cox and Blake Shultz continue their talk on real estate investing, private lending, and the infinite banking concept—breaking down how to keep money working, avoid bad deals, and build lasting wealth.

Thomas flips the script — sitting down with his friend Blake Shultz to share the full story behind his journey from football coach to multi-business entrepreneur. From founding Mealfit and Table & Thyme to building vending, real-estate, and investment ventures, Thomas opens up about faith, family, finances, and the mindset that turned everyday opportunities into long-term freedom. Hear how obedience, hard work, and intentional growth shaped the path that led to lasting impact — both in business and in life.

In Part 2 of his conversation with Thomas, Paul Harbor of Bellwether Enterprises dives deeper into the mindset and mechanics behind managing millions in real estate. He talks about how he structures his commission-only income, what he learned from clients who lost everything, and why attention to detail separates the great investors from the rest. From deal flow and syndications to lessons on faith, discipline, and risk, Paul shares real-world insight from 25 years of navigating the ups and downs of commercial real estate.

Thomas Cox sits down with Paul Harbor of Bellwether Enterprises to talk about his journey from small-town Jasper to closing over $5 billion in real estate deals. From selling shirts at 12 to a chance guitar sale that launched his career, Paul shares how grit and timing shaped his path in commercial real estate. He breaks down what makes a great multifamily deal, the truth about Fannie Mae and Freddie Mac loans, and lessons learned from 25 years in the business.

In Part 2 of this conversation with Cal Tinsley, we dive deep into the gritty realities of coaching, performance training, and business ownership. Cal opens up about the myths in athletic development, how NIL deals are reshaping youth sports, and what most coaches and parents misunderstand about training. He shares behind-the-scenes stories from his time with the Braves, key insights about scaling Tinsley Performance, and how his faith shapes the mission behind it all. Whether you're a coach, athlete, or business owner, this episode is packed with wisdom on leadership, growth, and trusting your gut.

Weeks before his first child was born, Cal Tinsley was fired with no backup plan—just conviction, pressure, and a decision to build his own business. In this episode, he joins Thomas to talk about betting on yourself, leading before you’re ready, and why sometimes the only strategy is to figure it out or fail. From landscaping jobs to coaching pros and managing 47 teams, Cal shares the mindset and faith that shaped his path.

Why employees really leave—and how to stop it. David Hicks breaks down the playbook: show a clear growth path, protect work‑life balance, and hire with sales‑level speed. We hit hybrid vs. remote realities, what to do when a star walks, and the “digital footprint” test for roles.

Recruiter David Hicks (25+ years) shows owners how to hire right, not fast. We cover smarter screening, what “culture fit” actually means, where top talent really is (hint: not job boards), and the real ROI of using a recruiter—plus the hidden costs of bad hires you can avoid today. You’ll walk away with smarter ways to hire and retain top people

What happens when you build a successful business—then lose it all? In this raw and honest conversation, Kelly Olcott shares the hard lessons behind his journey from Marine to millionaire contractor, to bankrupt entrepreneur, and finally to building again with more purpose than ever before. It’s not just about money—it’s about legacy, leadership, and learning the difference between chasing success and building something that lasts. If you’ve ever hit a wall in business or life, this episode is for you.

Duane continues his conversation with Thomas and shares how he integrates Christian faith and servant leadership into his company’s culture and operations. He discusses the challenges of maintaining spiritual focus in a high-pressure business environment and the importance of mentorship, daily spiritual habits, and generosity. Duane introduces “Abide and Lead,” a ministry initiative helping business owners connect faith with leadership, and the Impact CEO podcast, aimed at CEOs seeking to make a Kingdom impact through their businesses.

Entrepreneur Duane Donner shares his journey from growing up in Louisiana to founding Founders Advisors, an investment banking firm. He discusses his early career, military service, and first entrepreneurial venture, highlighting the challenges and lessons learned. Duane details his spiritual transformation and how faith now guides his approach to business. The conversation explores best practices for selling a business, the importance of early planning, and how Founders Advisors helps owners maximize value. He also introduces tools and resources for business readiness, emphasizing the impact of trusted advisors and strategic preparation.

Thomas and Blake continue their conversation about Blake's journey from real estate rentals to business acquisitions, particularly in equipment rentals. Blake shares insights on building a diverse real estate portfolio, reinvesting cash flow, and transitioning from a hustler to a CEO mindset through coaching. They talk about faith-driven leadership, financial literacy for children, and strategies like the “golden handoff” for scaling real estate teams. Thomas and Blake share insights on balancing business growth with family priorities, teaching kids about money, and the importance of aligning business decisions with personal values and long-term goals.

In this episode, Birmingham real estate investor and agent Blake Schultz shares his journey from his first flip—marked by costly mistakes—to building a diverse real estate portfolio. Blake discusses lessons learned from rental properties, navigating HOA challenges, and partnering with his father. The conversation covers multifamily deals, the value of strong teams, and strategies for long-term success, providing practical advice for both new and experienced real estate professionals.

Thomas shares Jeremy’s real-life journey using infinite banking to buy a car and grow his wealth. Over five years, he avoided bank loans, increased his policy’s cash value, and gained full ownership of the car. The episode highlights how infinite banking can help achieve financial goals and how to use this alternative wealth-building strategy.

Thomas interviews Chris, a Regional Vice President at Ameritas, about the Infinite Banking Concept (IBC) and Ameritas's support for it through whole life insurance products. Chris shares insights from his 19 years at Ameritas, discussing company culture, employee development, and the importance of relationships in insurance. Their conversation covers how technology is changing the industry, the value of comprehensive financial planning, challenges in client education, and advice for new agents. Chris also highlights the benefits of IBC for business owners and families, and Ameritas's commitment to agent support and diversity.

Thomas shares a strategy for business owners to gain tax deductions and build generational wealth by paying their children for legitimate work and investing these funds in whole life insurance policies to grow cash value tax-free. This approach not only reduces business taxes but also teaches children financial literacy and money management.

Thomas explores the Infinite Banking Concept (IBC) as a powerful alternative to traditional savings and investment vehicles. He explains how IBC, beyond just life insurance, allows individuals to grow their money tax-free, access funds anytime, and protect wealth from creditors. By comparing IBC to conventional accounts like savings, CDs, and retirement plans, the episode highlights IBC’s advantages—guaranteed returns, liquidity, and uninterrupted compounding. Listeners are encouraged to rethink their financial strategies, take control of their savings, and consider becoming their own banker for greater financial freedom.

Thomas continues his conversation with real estate investor Zac Lovoy about his investment strategies, focusing on owner financing and lease-to-purchase agreements. Zac shares insights on evaluating properties, structuring deals, and the importance of mentorship in real estate. He discusses the value of learning from experienced investors, navigating market cycles, and building knowledge before seeking funding. The conversation highlights practical advice for aspiring investors, emphasizing transparency, resilience, and the benefits of creative financing. The episode is a valuable resource for those interested in real estate, especially young or first-time investors.

Zac Lovoy, a third-generation restaurant owner, shares his journey from running a family restaurant to finding success in real estate and mortgage brokering. He discusses the financial challenges and common mistakes in the restaurant industry, emphasizing the importance of budgeting and adaptability. Zac explains how owning real estate proved more valuable than operating a restaurant and recounts his transition into house flipping and mortgage brokering. He gives practical insights on entrepreneurship, financial management, and the significance of learning from setbacks and seizing new opportunities.