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] Lunch Hour Check-In: What’s Cooking at White Hat Way

It’s lunchtime across the BHPH/LHPH landscape, so we’re making a sandwich and pulling up a chair. In this lunch hour version of the Morning Show, Jim and Michelle share a relaxed, real-time update on what’s cooking at...
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[FRI] A Teamwork Story for All of Us - Business and Life 📱

In today’s episode, we break down teamwork the way it actually works in the real world — not the fluffy HR version. We start with Simon Sinek’s powerful explanation of how the Navy SEALs evaluate team members. Spoiler...
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Final 2025 Scoreboard: How It Stacked Up Against 2024 for V8 Dealers

In Friday’s Morning Show, we’re putting the final numbers on the board and taking a hard look at how 2025 actually compared to 2024 across our V8 Dealer Groups. No fluff, no guessing—just breaking down what the data...
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Fri: Reaction to "Pick 6" Conversation with LHPH Dealer Joe Powell (OK)

Today’s BHPH Morning Show is a Pick 6 reaction episode with longtime southwest Oklahoma dealer Joe Powell, who’s been running a Lease Here Pay Here–first operation since 2008—and hasn’t looked back. Joe walks through...
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[FRI] Reaction to "Pick 6" Q&A with Nik Dumin, BHPH Dealer and Shop Owner (PA)

Today’s episode is a reaction and breakdown of our pre-recorded "Pick 6" conversation with Pennsylvania dealer — and longtime White Hat Way friend — Nik Dumin of Tyrone Tire & Automotive / Tyrone Auto...
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[Weds] White Hat Value: Why Trust-Driven Dealers Will Be Worth More Tomorrow

In this White Hat Wednesday episode we explore a powerful — but underutilized — lever in BHPH value creation: trust, transparency, and long-term stewardship. We’ll make the case that “white hat” dealerships — those...
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[WEDS] The Flexibility Advantage in BHPH: Win & Keep More Customers 📱

In today’s White Hat Wednesday, we unpack *The Flexibility Advantage in BHPH: How to Win and Keep More Customers.* In a market where every lead counts and every relationship has a long tail, flexibility is an...
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[FRI] Reaction to 'Pick 6' Q&A with Seasoned Texas Dealer Jeff Owings

Today’s BHPH Morning Show dives into a gem of a 'Pick 6' conversation with longtime Texas dealer Jeff Owings—41 years in the business and still showing up every day like he’s got a full tank and a race to win. Jeff...
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[WEDS] White Hat Way Dealer Spotlight: Tyrone Auto Credit (PA)

Today’s White Hat Wednesday (different time slot) shines a spotlight on a dealer who doesn’t just talk community—he rolls up his sleeves and shows how it’s done. We’re featuring the Thanksgiving “turkey giveaway”...
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[FRI] Portfolio Yield Detail - How Other Dealers Have Collected Thru Oct 2025 📱

Today we’re digging into one of the clearest truth mirrors in Buy Here Pay Here: year-to-date portfolio yield. We’re bringing V8 anonymized data to break down exactly how much of the money generated by dealers'...
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[WEDS] Do You Love What You Do, BHPH Dealers? Why It Matters 📱

Some LOVE the business of Buy Here Pay Here financing. Others, not so much. On this White Hat Wednesday, we'll break down the many reasons that it matters. Join us LIVE at 11:00 EST as we explore the factors and how...
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[FRI] Oct YTD vs 2024: Key Data Points from V8 Dealer Groups

October’s numbers are in, and they’re telling a story — loud enough that even the folks “flying by the seat of their pants” can hear it. On today’s show, we break down how V8 Dealer Group members' performance stacked...
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