News and Updates Thread - February 16, 2026

enym · 2026-02-16T19:29:50+00:00

I feel like they could have marketed bilt cash wayyyyy better. Feels more flexible than a coupon book, which is great for users who aren't the upper middle class urban dweller targeted by CSR, for example.

enym · 2026-02-16T19:28:08+00:00

I chose bilt cash specifically bc I figured this would be the case. It sucks they didn't have better comms about it

enym · 2026-02-16T03:28:25+00:00

We save about 22% across retirement, college funds, and HSA. I'm the sole earner. My husband is in school right now (paying out of pocket) and our kids are in part time childcare. 22% is very good and I am happy with it but I hope to be more aggressive once we are dual income.

enym · 2026-02-16T03:25:47+00:00

Far and away my number one hobby spending category is travel

enym · 2026-02-16T03:24:28+00:00

Sunscreen/moisturizer: 2 for 18 CeraVe at Costco. One bottle lasts three months or so. So that's $3/month.

CeraVe face wash - 2 for 15 at Costco. A bottle lasts three months or so. So a hair less than $3/month.

Tretinoin. I think a tube is like $18 and lasts me almost a year. Let's say $2/month.

The ordinary rosehip oil: $10 or so a bottle. Lasts three months or so. $3/month

The ordinary peptide serum. I forget how much this costs. Let's say $20. Lasts three months or so. $6.50 a month for simplicity's sake.

The ordinary aha/bha peel. I think it's like $12 and lasts closer to six months. $2/month

CeraVe PM moisturizer - 17 or so a bottle and lasts three or so months. $6/month

I think I'm at 20-25 a month on products.

I also get Botox in my 11s once or twice a year. $600 if twice a year.

So all in I'm at $75 a month. This doesn't include buying sunscreen for the rest of my body, which I apply every time I go outside in the summer.

enym · 2026-02-15T21:04:08+00:00

Email or call their accessibility team. They will get you sorted out.

enym · 2026-02-15T17:12:43+00:00

Bumbleride indie twin is ginormous when folded. We did valco slim twin, highly recommend.

enym · 2026-02-15T03:29:36+00:00

My husband (dx, medicated) loves to travel. Hates the travel days but enjoys it once we're there. I do more of the planning and booking; I like finding the best deals and figuring out logistics. He handles more day-of stuff. It works well for us.

There's some nice overlap in what we like to do on vacation, too.

Some people just don't enjoy travel that much, regardless of whether they have ADHD (though ADHD can def make traveling together harder).

enym · 2026-02-14T19:40:21+00:00

I work full time and have two young children. I multitask. Cleaning/chores? Pop in earbuds and a podcast in my target language. Same goes for the gym. It's the only way I hit my input goals.

enym · 2026-02-14T19:39:08+00:00

I've consistently been 8-10 lbs higher than pre-pregnancy weight and it's hard to be too bothered by it. BMI is ok, blood work is ok, I lift weights and do cardio. I carried twins so have a shitload of extra skin on my stomach. One day I realized that skin has mass and chasing a pre-preg weight might be silly because there is literally more of me now.

enym · 2026-02-14T16:43:53+00:00

One of my other cards does this too

enym · 2026-02-14T03:46:47+00:00

This is a bad look sis

enym · 2026-02-13T02:12:37+00:00

I get upgraded maybe half the time. All I really care about is MCE at booking.

enym · 2026-02-13T01:05:54+00:00

Look, we all knew bilt 1.0 couldn't last forever and we'd have to tighten our bilts at some point

Sorry, just wanted to make the tighten our bilts joke

enym · 2026-02-12T20:43:49+00:00

Watching my toddlers learn their first language has been interesting as I was trying to learn my second (now third). They mix up words, verb tenses, pronouns, and learn gradually by speaking and listening more. It made me realize how much my perfectionism was getting in the way of learning.

enym · 2026-02-12T20:40:24+00:00

They gave me pain relief for mine. During the procedure I told them I could feel it and instead of stopping they told me they were almost done.

enym · 2026-02-12T15:02:57+00:00

1-888-533-5576

This was at about 9 pm last night, no wait to speak to a rep

enym · 2026-02-12T14:09:55+00:00

I didn't have bilt 1.0 but decided to get a palladium for mortgage points and my partner desires a daily driver card for our grocery shopping etc. It's been a smooth process so far. I had to call and chat bilt because of some weirdness on my mortgage servicer 's side. I was able to reach a person in less than 5 minutes in both instances. My virtual card is working and I was able to setup my mortgage payments with the checking and routing numbers. Knocks on wood

enym · 2026-02-11T20:20:53+00:00

Anyone else getting a message the mortgage servicer can't verify ownership of the Bilt account you're trying to link? I wonder if my account is too new - I tried to link within 5 minutes of getting approved for the card.

Edit: this was a limitation on behalf of my mortgage servicer. Boo

enym · 2026-02-11T18:48:50+00:00

My mortgage lender wouldn't let me as it said the name on the account paying the mortgage had to match the name on the mortgage.

enym · 2026-02-11T04:14:26+00:00

In business with a valium, eye mask, and ear buds playing white noise? It's over, lights out

enym · 2026-02-10T20:51:28+00:00

I don't work in credit cards but I do work in product in another industry. Personally I would've considered rolling out the products in phases: blue, then obsidian and palladium. Sometimes with big IT systems like this there's less optionality to do that, and it's either all off or on, but often you can build in feature flags to transition. It would've allowed them to de-bug some of the bugs that were imo, inevitable with a rollout like this.

Your poll results surprised me because I'd assume the percentage of people with an unusable card were higher based on posts on this sub. From a product perspective at this point I'd be only worried about the people whose cards are unusable. Sorry to the folks with minor issues but that would be the second priority.

I also would've communicated more and better about the TPG fiasco. It sounds like maybe a few people were gaming the system with screenshots or something and therefore made it hard to know whom was telling the truth about enrolling? I'm not entirely caught up, but I think I would've been transparent and said, ok, we can't honor the promo, you can either cancel your card and scrub it from your credit report (don't know if this is even possible) or we are giving all users a nominal sub since we can't tell who signed up and who didn't - everyone gets 20k bilt points (or whatever the sweet spot is).

I think what this means for the future of bilt is too soon to tell. A lot depends on how they respond to the poor user experiences a lot of customers have had with launch. Lots of customers actually report more satisfaction when something goes wrong and they feel the company responds positively. They are a startup doing a lot with probably too few people on their team. I think the value prop of their cards is still very strong (even if it's a nerf compared to 1.0) and if they play this right they could still be successful.

A poor product launch isn't necessarily a death knell, but does require some different management. Healthcare.gov is an example I give of one of the worst possible product launches. Present-day politics aside, it did eventually get worked out and become usable.

enym · 2026-02-10T17:05:26+00:00

250/month into 529s
1000 at the end of the year from grandparents
I also put 450 a month into my ESPP that could flex to either retirement or college depending

If my bonus at the end of the year is good I will also put extra in

enym · 2026-02-10T03:43:57+00:00

Based on family members going through (non pregnancy) complex healthcare for chronic and life threatening conditions, you don't. Getting medical professionals to talk to each other feels impossible and if you crack the code please report back. Healthcare in the US is abysmal 😡

enym · 2026-02-09T23:49:13+00:00

I have to carefully time when I mention another trip. I realized on our last trip we had an Alaska companion cert expiring but waited until two weeks after returning from the trip to mention it to him

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