Sonja Lim-Carrillo

After a decade processing auto loan applications at a Bay Area credit union, Sonja Lim-Carrillo walked away convinced that most car buyers are negotiating blind — and she left to say so out loud. Her work has appeared in Kiplinger, where she breaks down dealer financing tactics, GAP insurance math, and the fine print that costs families thousands at the signing table. These days she runs a small content team from her home office in Fremont, California, and yes, she did make her teenage son read the Truth in Lending disclosure on his first car loan before they left the lot.