The BHPH Morning Show

The BHPH Morning Show

Hosted by: Jim & Michelle Rhoads

Join Jim and Michelle as they discuss the news of the day in the Buy Here Pay Here (Subprime Auto Finance) world. Decades of experience in the industry create a rich conversation about what matters most to dealers...

All Episodes

Episodes

[FRI] Bridging the SNAP Gap: 10 Ideas for Building Goodwill in BHPH

In today’s episode, we’re tackling a real-world challenge with a heart-centered lens — the growing “SNAP gap.” As delays in food assistance are expected to ripple through communities, Buy Here Pay Here dealers have a...
View Episode

[WH Weds] The BHPH Customer Journey: Who's Along for the Ride?

In today’s White Hat Wednesday episode of the BHPH Morning Show, Jim and Michelle share an exciting preview of a new podcast track coming soon — The BHPH Journey, hosted by Jim and the AI voice agent, Sage. This new...
View Episode

[FRIDAY] White Hat Math: Banked Value Index Explained

In today’s episode, we pull back the curtain on one of the most revealing new measuring sticks in the Buy Here Pay Here industry — White Hat Way's Banked Value Index. This isn’t about accounting gimmicks or P&L...
View Episode

[WEDS] Ghosted: Why Your Customers Don’t Pick Up the Phone

Most collection teams think the problem is that customers won’t answer the phone. The truth? The problem is why they don’t. In this White Hat Wednesday episode, Jim and Michelle Rhoads takes us inside the psychology...
View Episode

[FRI] When the Headlines Hit: What’s Knowable in the Tricolor Story

In this (delayed but live) episode of the BHPH Morning Show, we unpack the unfolding Tricolor Auto story — not to chase headlines, but to ground ourselves in what can actually be known. As social media fills with...
View Episode

[FRIDAY] Slow Drip Dilemma: Fixing Collection Inefficiencies (the Missing Money)

In this episode, we're tackling the subtle yet stubborn issue of collection inefficiency in the Buy Here Pay Here world. Think of it as a slow drip from a leaky faucet—over time, those tiny leaks add up to a whole lot...
View Episode

[WEDS] Sage, WHW's AI Persona Returns LIVE as Co-host

On this White Hat Wednesday edition of the BHPH Morning Show, Jim and Michelle sit down with Sage, their AI co-host, to share the story behind White Hat Way. Sage will interview Jim and Michelle LIVE about the...
View Episode

[Weds] White Hat AI Comes Alive: Say Hello to Sage!

On this week’s White Hat Wednesday, Jim Rhoads welcomes two special guests: White Hat Certified BHPH/LHPH Coach Ken Yang and Sage, the first White Hat–certified AI persona. Together, they explore what makes Sage...
View Episode

Friday: More Fresh Repo Results from Our BHPH/LHPH Sector

On Wednesday we challenged BHPH dealers to stop flying blind and start facing their numbers head-on. Today, we’re putting that principle into action. In this Friday episode of the BHPH Morning Show, we reveal more...
View Episode

BHPH 2025 Gut Check: The Price of Flying Blind in Tough Times

Too many BHPH dealers are still flying by the seat of their pants, relying on gut feel instead of hard numbers. In 2025, that’s a dangerous game. This episode of White Hat Wednesday takes a hard look at the cost of...
View Episode

Friday: August Repo Reality (Powered by Fresh V8 Data) {EDITED]

Are repos really up? If so, how much? As promised on this Friday episode, we cut through social chatter and publish the real August trendline across our V8 Dealer Groups: gross and net charge-off results, recovery...
View Episode

White Hat Weds News: Tricolor Cuts and Reality on the BHPH Street

In this episode of White Hat Wednesday, we're diving into the headlines shaking up the Buy Here Pay Here world. From the wave of layoffs at Tricolor to a reported uptick in repos (with some) surfacing across social...
View Episode