Dealer Finance, Reinsurance, and Leadership Culture

Fighting for Car Dealers: Doug Smith on Protecting the Industry

In this episode of The Car Bar, we sit down with Doug Smith, President of the Missouri Auto Dealers Association (MADA), to discuss the critical work he does every day to protect and advocate for Missouri auto dealers. Doug shares his lifelong connection to the automotive industry, including memorable experiences like purchasing vehicles from now-Governor Mike Kehoe, and how those experiences shaped his understanding of the industry.Doug walks us through the challenges and opportunities facing auto dealers in Missouri, including regulatory, legislative, and market pressures, and the strategies MADA uses to support dealers, protect profits, and strengthen the automotive business in the state. This conversation provides a unique insider’s look at how dealer advocacy impacts sales, operations, and the future of the car business.Whether you’re a dealer principal, sales manager, or dealership professional, this episode offers actionable insights into dealer advocacy, industry protection, and strengthening dealership operations at the state level.Subscribe to The Car Bar for monthly conversations on automotive sales, dealership leadership, dealer finance, and ownership strategy.

Automotive Sales Today: Insights for Dealers, Managers, and Salespeople

Welcome to The Car Bar, the podcast that cuts through the hype and delivers real insights for the automotive industry. In this premiere episode, we take a deep dive into the current state of automotive sales, breaking down the trends, challenges, and opportunities that dealers, managers, and salespeople across the US face every day.Your hosts bring a combined 87 years of automotive experience, and we share our mission to bring authenticity and transparency back to car sales, and provide a practical overview of the industry landscape. We discuss common mistakes past, current, and future dealership owners and sales teams encounter, and how to avoid them.This episode sets the stage for future guests, where we will sit down with operators, dealership owners, managers, and top-performing sales professionals to uncover real-world strategies and actionable insights. Whether you’re a dealer principal, sales manager, or frontline salesperson, you’ll get valuable perspectives to help you grow your business, sharpen your skills, and succeed in today’s competitive car market.Subscribe to The Car Bar and stay tuned for future episodes packed with honest, actionable advice from the people who actually move the industry. #carsales [https://www.youtube.com/hashtag/carsales] #carsalesman [https://www.youtube.com/hashtag/carsalesman] #autoindustry [https://www.youtube.com/hashtag/autoindustry] #cardealership [https://www.youtube.com/hashtag/cardealership] #automotiveindustry [https://www.youtube.com/hashtag/automotiveindustry] #dealership [https://www.youtube.com/hashtag/dealership]

Fixing What’s Broken in Dealer Reinsurance

In this episode of The Car Bar Podcast, we sit down with Kelly Price, founder and former President of National Automotive Experts (NAE), a leader in the automotive finance and insurance (F&I) industry known for dealer-focused aftermarket products, service contracts, and reinsurance programs. Kelly shares how and why she built NAE, including the development of programs such as Warranty Forever, and her work alongside its sister company, National Warranty Administration Network (NWAN). We break down what has historically gone wrong in dealer reinsurance, how those mistakes impact F&I profitability and dealership trust, and what it looks like to structure reinsurance the right way for long-term dealer success.The conversation goes beyond technical strategy and into leadership, ethics, and ownership-level decision-making, including dealer training, income development, compliance, and building sustainable F&I operations. Kelly also discusses her transition into strategic ventures with Portfolio Reinsurance, where she continues working to improve how reinsurance is delivered and supported for dealers.In addition to the business side, we cover the personal side of Kelly’s life, from her faith journey and other passion projects, to her role as an Associate Producer on the film Sound of Freedom. She shares how those experiences have shaped her leadership philosophy, values, and approach to building organizations that create impact beyond profits.This episode is a must-watch for dealer principals, general managers, F&I directors, and dealership leaders looking to better understand reinsurance, F&I profitability, and ethical growth in the automotive industry. Kelly's story lends credit to the fact that there can be actionable change in the car sales world, and that dealers and teams can reshape the industry through innovation, integrity, and strategic leadership.Subscribe to The Car Bar for monthly conversations on automotive sales, dealership leadership, dealer finance, and ownership strategy.

From Car Salesman to Financial Advisor for Dealers

In this episode of The Car Bar Podcast, we sit down with Yancy Spivey, whose career began by taking a chance as a car salesman with no initial interest in the automotive business, and evolved into becoming a dealer principal and now a financial advisor working on behalf of car dealers.Yancy walks us through every phase of his life and career, from learning the business on the sales floor to overcoming adversity tied to youth, credibility, and experience, ultimately earning the opportunity to own and operate his own Ford franchise. He shares how automotive sales shaped his leadership mindset and why the car business is deeply embedded in who he is, and how he has been able to build such a successful business as a result.After dealership ownership, Yancy went on to serve as a bank president before transitioning into his current role as a financial advisor for automotive dealers. Through YS Asset Management, he developed a financial process specifically tailored to auto dealers, built from firsthand industry experience and a clear understanding of what he believed needed improvement in traditional dealer financial strategies.Today, Yancy helps dealers navigate investment planning, capital strategy, and long-term wealth management, ensuring growth decisions align with both dealership objectives and personal goals.This episode offers valuable perspective for dealer principals, general managers, sales managers, and salespeople interested in career growth, dealership leadership, and understanding the financial paths available within the automotive industry.Subscribe to The Car Bar for monthly conversations on automotive sales, dealership leadership, dealer finance, and the real-world realities of the car business.

Dealer Finance, Reinsurance, and Leadership Culture

In this episode of The Car Bar Podcast, we sit down with Cliff Childers, a senior leader at Portfolio Reinsurance, where he serves as Managing Director / VP of Sales, leading growth initiatives for auto, RV, and powersports dealers across the country.Cliff provides a dealer-principal-level breakdown of how reinsurance programs, F&I (Finance & Insurance) performance, and agency development directly impact dealership profitability, risk mitigation, and long-term enterprise value. He explains how dealers can structure reinsurance correctly to maximize F&I income, retain capital inside the dealership, and create financial stability beyond monthly sales performance.The conversation goes beyond tactics and into ownership-level strategy, with a strong focus on leadership, organizational structure, and dealership culture. Cliff emphasizes that true growth is not just about selling more cars, but about building a scalable operation where people, processes, and financial systems are aligned with the dealer’s goals.Drawing from his extensive background in automotive financial services and dealer reinsurance, Cliff discusses how innovation, accountability, and disciplined leadership help dealerships grow profitably without sacrificing culture or operational control.This episode is especially valuable for dealer principals, general managers, F&I directors, and executive-level dealership leaders looking to improve F&I profitability, reinsurance strategy, and long-term dealership health.Subscribe to The Car Bar for monthly conversations on automotive sales, dealership leadership, dealer finance, and the real-world realities of the car business.