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 powerful opportunity to stand in the gap and serve their customers in meaningful ways.

We’ll share 10 practical, goodwill-driven ideas any dealer can implement — from community food drives and grocery card giveaways to pay-it-forward programs and small acts of kindness that create lasting “trust deposits.”

This conversation is about more than PR; it’s about purpose. It’s about seeing your dealership as a hub of hope and support — a place where grace meets grit and business meets humanity.

Tune in for stories, ideas, and encouragement to help you do what White Hat Way does best: infuse trust between buyers and sellers, one good deed at a time. 

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

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 track will explore the powerful intersection of the dealer’s journey and the customer’s journey — two paths that run side by side for a time, shaping one another in lasting ways. Listeners will discover how the White Hat Way transforms ordinary transactions into meaningful relationships that build loyalty, trust, and long-term success.

Today’s episode sets the stage, introducing the why behind the new series and offering a glimpse into how Sage will co-host thoughtful, story-driven conversations about doing business the right and sustainable way — the White Hat Way.

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

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 gymnastics. It’s about how much cash you actually bank versus how much quietly slips away through charge-offs, inefficiencies, and operational drag.

We’ll unpack how White Hat Way is building tools that work for dealers, not against them — helping you see what’s really happening inside your portfolio, in plain English and clean math. When you know how much value is truly being banked, you gain the clarity to adjust your strategy, strengthen your cash position, and protect what you’ve worked hard to build.

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

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 of subprime collections — where anxiety, distrust, and disconnection often do more damage than delinquency itself.

We’ll unpack the real reasons customers go silent, from phone instability to emotional avoidance, and explore practical ways to rebuild trust and reconnect. Because in the subprime world, every unanswered call is a signal — not a snub — and how we respond determines whether the relationship survives or dies.

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

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 speculation about layoffs, closures, and bankruptcy, we’ll look instead at the patterns beneath the noise: how leverage, liquidity, and leadership choices shape outcomes long before a crisis makes the news. Today's episode is less about Tricolor’s Chapter 7 filings and more about what it teaches every ambitious operator about sustainable growth, transparency, and the cost of ignoring early warning signs.

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

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 of lost dollars. We'll get real about spotting where the money is slipping through the cracks and how to tighten up those collection processes so your cash flow doesn't end up down the drain.

We'll chat about practical ways to identify where those inefficiencies hide and share some clever tips to measure and plug those leaks. Expect a straightforward, slightly witty ride as we turn that slow drip into a steady stream of revenue. 

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

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 original spark that inspired the movement, why creating a recognizable brand identity matters in the Buy Here Pay Here industry, and the vision for how White Hat Way can reshape dealer and customer experiences for the better. It’s a conversation about purpose, integrity, and the future of BHPH — all wrapped in a casual, morning-show style that listeners will enjoy.

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

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 different from everyday AI—how mission, story, brand, and archived digital content form the foundation for a persona built to serve dealers, communities, and consumers the White Hat Way.

Tune in as the BHPH Morning Show audience gets a front-row seat to this milestone moment in ethical AI: the official introduction of Sage.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

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 ultra-fresh August charge-off and repo data straight from V8 Dealer Groups. No rumors, no outdated surveys—just the hard (and validated) facts. This is the real-time gut check the industry needs, and it might just shift how you think about portfolio health and operational strategy heading into the fall.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.

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 running blind — from missed opportunities to sudden cash crunches — and shows why a true “gut check” means knowing your KPIs cold. We’ll connect the dots between operational clarity, long-term trust, and the sustainability that separates survivors from industry leaders.

🎙️ New to streaming or looking to level up? Check out StreamYard and get $10 discount! 😍 https://streamyard.com/pal/d/4771022331707392

Find the BHPH Morning Show LIVE on YouTube, LinkedIn and Facebook every Mon, Wed, & Fri at 11am eastern where we (Jim and Michelle Rhoads along with featured guests) talk #buyherepayhere #bhph #subprime #automotive #finance #ethics #whitehatway #customerretention #customerengagement #marketing and much more! 

We are pleased to use our sometimes-scratchy morning voices to speak up on behalf of BHPH Dealers. Don't forget to LIKE the videos and SUBSCRIBE to The Octane Group channel. Also, please add your comments or questions right here in the BHPH Institute.