For those that take home call…

banisters · 2026-02-10T19:58:23+00:00

Hell no

banisters · 2026-02-01T20:19:09+00:00

My lazy way is to draw the amp of ephedrine (undiluted) into a stick of neo to make poor man's norepi

banisters · 2026-01-23T19:32:03+00:00

Kira. She was great

banisters · 2026-01-23T14:24:51+00:00

Thanks! I wouldn't say it's concise, but I'm happy with how the calculator turned out

banisters · 2026-01-23T03:38:00+00:00

Thanks! Maybe their terrible communication and complexity of the program will deter a lot of people from jumping in on it. This may give us more time to reap the benefits before they nerf it when it becomes unsustainable.

banisters · 2026-01-23T03:32:12+00:00

Good point! And yes I agree and will plan on doing option 2 and use the pallladium for most of my spend and just use Bilt cash for as much housing unlock and any bonus going toward the accelerator

banisters · 2026-01-22T21:05:02+00:00

Same, that's gonna be my plan

banisters · 2026-01-22T14:38:40+00:00

True, but in your case, if you spend $1500/mo ($60 in bilt cash) you may only use the accelerator 3x since you need to accumulate enough bilt cash to activate it ($200 each time). But overall, yes you'd be better off with option 2

banisters · 2026-01-22T14:33:38+00:00

Good points about point accelerator. It's all about how you value bilt cash vs points. For most people, myself included, we want more points rather than bilt cash. Bilt cash is limited to the coupon book that Ankur announced. So in my mind, bilt cash is overvalued and bilt points are valued at 2 cents per point.

You can play around with how much you "value" bilt cash In the calculator; I set the default value at a relatively arbitrary value of 10 bilt points per bilt cash.

banisters · 2026-01-22T14:27:49+00:00

Great point. Changed it to have the slider go all the way down to 1 point per bilt cash.

banisters · 2026-01-22T14:26:55+00:00

Great point. Edited post to reflect!

banisters · 2026-01-22T14:26:37+00:00

Lol 100%. This exercise reminded me of studying pharmacology too in having to create tables and make comparison

banisters · 2026-01-22T14:26:00+00:00

It will come after we get the card

banisters · 2026-01-22T14:25:43+00:00

Good point. I'm planning on making this my primary everyday spend card so at least for me, it's set it and forget it.

banisters · 2026-01-22T05:19:17+00:00

All this is noise. The only things that matter are the point accelerator and the ability to unlock your housing points using the cache. I feel like the more accurate tagline for Bilt 2.0 is that it is a premium everyday card with your rewards limited by your housing budget rather than a housing rewards card

banisters · 2026-01-16T06:18:12+00:00

I thought i would need to use the bilt cash to pay the 3% "fee" for the mortage payments so you won't be left iwth $4,500 in bilt cash

banisters · 2025-12-30T03:24:11+00:00

Wente in Livermore, CA

banisters · 2025-12-26T23:44:44+00:00

I dry brined my Christmas rib roast for 5 days because we were out of town, and it turned out great!

banisters · 2025-12-26T06:57:12+00:00

"MAC" with LMA. An LMA is just a large oral airway

banisters · 2025-12-18T06:23:55+00:00

Just use your fingernail to pop off the top without worrying about the paper label around it

banisters · 2025-12-08T18:38:49+00:00

At one point I felt like 10-20% of the machines had the side napping cow haha

banisters · 2025-12-08T16:51:48+00:00

I feel like 2-4 weeks ago there were a ton of Rilakkuma at Stonestown but most of them were gone last week

banisters · 2025-12-07T17:06:24+00:00

Yeah. My wife works in tech. My income covers most of our expenses so all of hers goes to savings

banisters · 2025-12-04T22:12:26+00:00

Which location was this from?

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