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In this episode of the Next Level Income Podcast, I sit down with Thomas Cox, a Financial Architect and Infinite Banking Strategist, to break down one of the most talked-about yet misunderstood wealth-building strategies today: Infinite Banking Concept (IBC).
Thomas Cox brings a unique blend of real-world entrepreneurial experience and sophisticated financial strategy. Before stepping into the world of private capital and real estate, he successfully built and scaled multiple seven-figure catering businesses. Today, he owns 32 multifamily units across the Southeast, operates short-term rentals, and leads a private lending network that fuels deals across the region. Through his firm, Cox Capital, he has helped business owners and investors deploy millions using IBC and private lending strategies designed to build and protect long-term wealth.
At its core, Infinite Banking is about reclaiming control over your capital. Instead of relying on traditional banks for financing, IBC allows individuals—especially high-income earners and entrepreneurs—to create their own internal banking system. Thomas explains how properly structured whole life insurance policies can serve as a financial engine, enabling users to access capital, fund investments, and maintain uninterrupted compound growth.
One of the biggest takeaways from this episode is the concept of control. Traditional financial systems often limit flexibility and place restrictions on how and when you can access your money. With IBC, Thomas emphasizes that you become the decision-maker. Whether it’s funding a real estate deal, expanding a business, or navigating unexpected opportunities, having immediate access to capital can be a game-changer.
Thomas also highlights how IBC integrates seamlessly with business and real estate investing. For entrepreneurs, it creates a reliable source of liquidity without disrupting cash flow. For real estate investors, it offers a way to leverage capital repeatedly, accelerating portfolio growth. His own journey—from business owner to real estate investor and private lender—demonstrates how powerful this strategy can be when executed correctly.
Another key theme discussed is legacy. Infinite Banking isn’t just about short-term gains; it’s about building generational wealth. Thomas shares how these systems are designed to pass down wealth efficiently while maintaining financial stability for future generations. In a world where financial uncertainty is common, creating a system that provides both growth and protection is invaluable.
What sets Thomas apart is his ability to simplify complex financial concepts into actionable insights. As the host of the “Owners Table” podcast, he has delivered over 100 episodes of practical strategies that business owners can implement immediately. In this episode, listeners will walk away with a clearer understanding of how IBC works, who it’s best suited for, and how to begin thinking differently about money.
If you’re a business owner, investor, or someone looking to take control of your financial future, this episode offers a powerful perspective shift. Infinite Banking isn’t just a strategy—it’s a mindset that empowers you to think and operate at the next level.
Resources & Links
https://www.thomascox.co/ https://app.gohighlevel.com/v2/preview/5kpri8txgYvqP1j55mGz
Youtube: https://www.youtube.com/@thomascox4141
Instagram: https://www.instagram.com/thomascox.co
TikTok: https://www.tiktok.com/@thomascox.co
Facebook: https://www.facebook.com/thomascoxmealfit/
Linkedin: https://www.linkedin.com/in/thomascoxco/
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Christopher Larsen is the founder and Managing Partner of Next-Level Income. Since “retiring” after 18 years in the medical device industry he dedicates his time to helping others become financially independent through education and investment opportunities. Chris has been investing in and managing real estate for over 20 years.
While completing his degree in Biomechanical Engineering and M.B.A. in Finance at Virginia Tech, he bought his first single-family rental at age 21. Chris expanded into development, private-lending, buying distressed debt as well as commercial office, and ultimately syndicating multifamily properties. He began syndicating deals in 2016 and has been actively involved in over $500M of real estate acquisitions.
In addition to real estate, Chris has invested in equities, oil & gas, and small business lending, as well as being active in Venture South, one of the nation’s Top 10 Angel Investing groups. Chris lives with his wife and two boys (and Viszla, Lucy!) in Asheville, NC where he loves spending time with them in the outdoors and enjoying the food and culture that the region has to offer.
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