Ashley NeSmith is the founder of Ashley the Auto Advocate and an automotive expert with more than 25+ years of experience in the retail automotive industry. Her background includes 17 years as a Finance Manager and Subprime Finance Director, where she worked extensively with vehicle financing, lender approvals, trade-ins, warranties, dealership negotiations, and the overall deal structure consumers face when buying or leasing a car. Because Ashley has worked on both the dealership side and the consumer advocacy side, she brings a practical insider perspective to topics such as car buying, leasing, auto financing, dealership pricing, negative equity, extended warranties, trade-in strategy, and the real cost of vehicle ownership. She understands not just how car deals are presented to co...