All Episodes
Episodes
Friday: "Water" in Your BHPH or LHPH Portfolio???
Is your portfolio really as solid as your balance sheet suggestsâor are you counting on phantom dollars that will never show up? In this episode, we revisit and update a comparative tool that exposes how deal...
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BHPH Repos Up! Bank Account Balances Rising Too???
Over the past 18 months or so, repossessions and charge-offs have been on the rise across the BHPH landscapeâputting a direct squeeze on dealersâ profitability and cash flow. In todayâs episode, we unpack the numbers...
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The White Hat Way to SWOT: Turning Insight into Dealer Action
In this episode, we take a fresh look at one of the oldest business tools in the bookâthe SWOT analysisâand show you how to make it work the White Hat Way. Weâll walk through how Strengths, Weaknesses, Opportunities,...
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Friday: Today's Regulatory Environment for BHPH & LHPH
In this episode of the BHPH Morning Show, we break down the latest regulatory developments shaping the Buy Here Pay Here landscape. Using the recent Credit Acceptance press release as a touchstone, weâll explore what...
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Trust as Currency: A Lesson from Dad's Map of Ranch Leases
In this White Hat Wednesday episode, Jim Rhoads shares a deeply personal story sparked by the discovery of a dusty old shipping tube in a neglected storage unit. Inside? A hand-marked ranch country map from years...
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[FRIDAY] Packets, Projections, and Plan B: What Smart Dealers Do Now
In this episode of the BHPH Morning Show, weâre joined by business partners and CPAs, Chad Martin and JP Bryan, for a deep dive into what it takes to stay lender-ready in a volatile banking environment. With more...
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Coded Compassion: When AI Learns to Serve, Not Replace
What if AI could actually make customer relationships stronger? In this episode, Jim and Michelle break down what âcoded compassionâ really meansâand how White Hat AI is being trained to serve people, not replace...
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Friday: BHPH Pulse Report - Dealer Chatter and Industry News
It's time for a BHPH Pulse Reportâa no-fluff roundup of whatâs shaking up the Buy Here Pay Here and subprime auto finance world. From record-breaking delinquencies to tightening lender standards, and the digital/AI...
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Will Your DMS Be Among Tomorrow's Data Heroes? The Next Request from White Hat Way
Dealers, if youâve ever tried to explain your losses to a lender â or make sense of your own â you know how messy the data can be. Today weâre shining a light on a simple fix that could solve some of that: getting DMS...
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[Weds 4pm EDT] Where Grace Meets Grit: The Real Roots of the White Hat Way
In this deeply personal edition of White Hat Wednesday, Jim steps away from the usual playbook to reflect on the life and legacy of his motherâa woman remembered not just for her grace, but for the quiet grit that...
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[FRI] Consumer Confidence & Spending: How It Impacts BHPH & LHPH Today
On this Friday episode, we break down what the latest June 2025 consumer sentiment and spending data points really mean for Buy Here Pay Here and Lease Here Pay Here dealers and the customers they serve. While...
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Progress Through Partnership: Real Collaboration, Real Gains for Dealers
This week on White Hat Wednesday, we celebrate the inking of a collaborative agreement between White Hat Way and a leading DMS provider â built on one mission: to deliver real, measurable progress for BHPH dealers.
In...
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