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 across the US. Aired live W & F #BHPH, #Subprime, #Auto
[Ep2 of 5] Hooked on Refund Season: A Lakeside Conversation About Q4 Prep for BHPH/LHPH
Tax refund season can be won or lost in Q4. In Part 2 of our Fridays in October series, Jim lays out the steps BHPH and LHPH dealers can take now to drive refund volume in Q1. This one was recorded lakeside while fishing in New Mexico this week. You'll want to hear how “de-horsing” and #trust help you beat the competition. Grab your coffee and cast a line with us.
Find the BHPH Morning Show on Video (Live or Archived)
Find the BHPH Morning Show LIVE on YouTube (https://www.youtube.com/channel/UCPtJMGeHy2itJFxncgyS6pQ), 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.
2 Oct 2026
[Ep 1 of 5] The Q4 Inventory Gamble - How Much Could You/Should You Buy?!
How much inventory should you stockpile heading into tax refund season? In this episode of the BHPH Morning Show, Jim breaks down how the decision is best made — sizing it to your expected January and February volume, your cash and floor plan capacity, your current days supply, and how long recon really takes. Understock and you miss deals you'll never get back. Overstock and your capital sits on the lot aging. In this episode (1 of 5) we'll take on this time-sensitive topic!
Find the BHPH Morning Show on Video (Live or Archived)
Find the BHPH Morning Show LIVE on YouTube (https://www.youtube.com/channel/UCPtJMGeHy2itJFxncgyS6pQ), 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.
25 Sept 2026
[Ep 4 of 4] Study of the 24-Mo Mark: What We Know So Far About BHPH & LHPH
Month 24: The Final Verdict | LTV, Customer Retention & the Series Wrap-Up (Part 4 of 4)
Only a small slice of the typical Buy Here, Pay Here portfolio is still paying past 24 months, so why do we structure deals as if every contract goes the distance? In this series finale, Jim Rhoads is joined by Central Florida dealer Matt McGill, SDA National Rep Karen Barnett, and V8 Dealer Groups' Kami Powell to recap the first three reasons and add the fourth: Loan-to-Value.
In this episode: ✔ Matt's real numbers: ~25% of accounts but only ~10.5% of principal past 24 months ✔ Why he's known as "Low Gross Matt," and why his portfolio yield ranks near the top ✔ Tax refund season and the cost of losing a proven customer ✔ Why trading at 24–30 months resets your interest earnings ✔ LTV explained, and why it matters even with no lender in the picture ✔ Karen's warning on over-leveraging
Chapters: 0:00 Intro 2:00 Meet Matt McGill and his 24-month numbers 3:45 Karen Barnett and SDA's acquisition of CAR Financial 6:10 Meet Kami Powell (V8 Dealer Groups) 6:30 Recap #1: Taxation and phantom profit 8:50 Recap #2: Waning customer commitment 10:40 Recap #3: Diminishing returns (interactive tool) 16:00 Trading customers to reset the note 17:15 Tax refund season and customer retention 20:00 Selling to three generations of customers 21:25 Reason #4: Loan-to-Value explained 24:35 LTV and line-of-credit renewals 29:55 V8 report cards and portfolio yield 30:10 "Low Gross Matt" 33:20 Don't over-leverage 35:00 Series wrap
Catch Parts 1–3 in the playlist. Interested in a V8 peer group? Reach out to Kami Powell or visit whitehatway.com/v8.
#BHPH #BuyHerePayHere #DealerFinance #AutoFinance #SubprimeAuto #PortfolioYield #whitehatway
Find the BHPH Morning Show on Video (Live or Archived)
Find the BHPH Morning Show LIVE on YouTube (https://www.youtube.com/channel/UCPtJMGeHy2itJFxncgyS6pQ), 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.
Who has been a guest on The BHPH Morning Show
Names identified in recent episode analyses. Showing up to five guests.
Jeff Owings
Ron Heider
Simon Sinek
Michael Sansone
Reach and audience
Public platform figures. Ratings count people who left a rating, not total listeners.
YouTube views
41,130
Score snapshot 15 Sept 2025
Apple Podcasts (US)
5.0 / 5
4 ratings
Spotify
5.0 / 5
3 ratings
Podcast Authority Score: 69 / 100
A composite of feed quality, social presence, YouTube performance and engagement. Read the methodology.
Quality
84
Social presence
0
YouTube
76
Engagement
60
Contact The BHPH Morning Show
Guest appearances
Does not typically book guests
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