Individual with high financial anxiety, avoids opening statements, procrastinates on financial decisions, needs coaching.
B-01 is the corpus where the balance-sheet inputs look ordinary but the behavior breaks the product: statements go unopened, contribution decisions are deferred, and onboarding completion rates collapse. It is the testing surface for nudges, defaults, and coaching paths.
B-01 isolates a behavioral pattern that is invisible in pure-number archetypes: a household with reasonable income ($63k median) and a non-trivial net worth ($321k median) whose financial state is being shaped by avoidance, not by structural disadvantage. The diagnostic surface is the gap between balance and engagement — under-utilised employer-sponsored plans despite eligibility, low contribution rates relative to income, emergency funds short of any conventional benchmark, and a tendency to leave money in default cash sweep rather than make an allocation decision. For tax-software and benefits products this archetype is where auto-enrollment, default-deferral escalation, and SECURE 2.0 emergency-savings sidecars (the new $2,500 in-plan emergency account) actually pay off. For wealth-platform onboarding it is where multi-step forms and 'risk tolerance' questionnaires lose users mid-flow.
The cash-flow profile is mass-market dual-earner with credit-card revolving balances on all 20 households and student loans on a meaningful minority. Retirement appears as a goal in every record, but on-track flags are predominantly false. Liquid assets ($58k median) sit well below the household's net worth, suggesting the balance sheet is real but the working capital is thin. Twelve of twenty carry an active home-purchase goal that they are usually behind on. This is the household that defers refinancing, defers HSA enrolment, defers 401(k) rebalancing — not because the math is wrong but because the action does not get taken.
What separates B-01 from neighbouring behavioral archetypes is the direction of the bias. B-02 acts too much; B-03 spends too much; B-01 acts too little. The corpus is intentionally calibrated so the underlying capacity to save exists — income is mass-market, not poverty-line — which means the failure mode is psychological rather than structural. That makes it the right test population for engagement features (statement re-reading, gamified savings, coach-mediated planning, retirement-readiness nudges) rather than for hardship workflows.
Aggregated across the 20 B-01 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Grace and Matthew sit slightly above the income median for B-01 but well below it on net worth — the household has not yet started compounding. Liquid assets cover only about a year of household expenses and total liabilities are negligible, which means there is no debt-crisis story here; there is a missing-engagement story. Both home-purchase and retirement goals are flagged off-track despite ample raw capacity to contribute, which is the diagnostic pattern this household surfaces.
Every B-01 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.
Three buyer profiles draw on B-01 most heavily. Recordkeeping and 401(k) platforms use it to validate auto-enrollment, auto-escalation, and SECURE 2.0 in-plan emergency savings features where the participant is opted in by default rather than electing actively. Behavioral-finance and financial-wellness vendors use it as the control population for coaching-engagement experiments and statement-redesign A/B tests — the gap between balance and engagement is exactly what their products are sold against. Tax-software teams use it to test prompt fatigue and abandonment patterns in multi-step return flows, particularly around HSA contributions, IRA deduction worksheets, and saver's credit eligibility, where avoidant users routinely leave money on the table.
B-01 is not a hardship archetype. Median net worth of $321k means the corpus has accumulated assets, and credit cards are revolving but liabilities are modest. Households in active financial distress live in S-02 (bankruptcy recovery), S-03 (medical-debt crisis), or U-02 (low-income working family) — reach for those when the failure mode is structural rather than behavioral. Households where avoidance compounds an existing crisis (medical-debt avoidance, post-divorce paralysis) are better tested via overlays onto S-01 or S-03. B-01 also excludes overconfident self-directed investors (B-02) and lifestyle-inflation spenders (B-03), which are the opposite behavioral failure modes. Children with neurodivergent diagnoses driving avoidance are X-04 territory.
Income and net-worth bands during v3 synthesis were anchored to the mass-market segments of the Survey of Consumer Finances and to BLS Consumer Expenditure Survey saving-rate distributions for working-age households. Behavioral flags (statement non-opening, default-cash holdings, missed enrolment deadlines) were synthesised as overlay attributes rather than estimated from a probabilistic model — there is no published behavioral prior we can cite for this archetype. Goal on-track flags lean systematically false by design. Per CLAUDE.md §9 the v3 corpus is frozen and not regenerable from current code, so calibration claims are descriptive of the shipped fixtures rather than reproducible from a seed.
Opposite behavioral failure mode. B-02 over-engages — concentrated picks, excessive trading, advisor-resistant. Use B-02 when the target feature is friction against over-confident action, not against avoidance.
Lifestyle-inflation spender at higher income ($149k median). B-03 households earn more and save less; B-01 households earn less and save somewhat but fail to engage with the choices that matter.
Active financial-distress workflow with bankruptcy in the picture. Use S-02 when the household is structurally insolvent rather than behaviorally disengaged.
Low-income working family where the constraint is income, not behavior. Reach for U-02 when EITC, SNAP, and refundable-credit workflows are the target rather than engagement features.
B-01 — Financial Anxiety / Avoider represents a mass-market household with reasonable income and assets whose financial outcomes are shaped primarily by avoidance behavior: deferred decisions, unopened statements, low engagement with employer-sponsored plans, and persistent off-track goal flags despite measurable capacity to save.
B-01 has a median net worth of $321,503 and a median income of $63,121 — the underlying capacity to save exists. The failure mode is psychological, not structural. Households in active financial hardship live in S-02 (bankruptcy recovery), S-03 (medical-debt crisis), and U-02 (low-income working family).
Auto-enrolment, auto-escalation, SECURE 2.0 in-plan emergency-savings sidecars, default contribution rates, behavioral nudges, statement redesign, financial-coaching workflows, and Saver's Credit prompts. Anything where the design choice is between active-choice and default-in matters here.
Off-track flags are intentional. The archetype is calibrated so households have capacity to contribute but are not contributing at a rate that funds their stated goal. That gap between stated goal and actual contribution is what makes B-01 useful for engagement and nudging features.
Deterministically from a seeded sampler (Mulberry32 PRNG) in src/lib/generation/, with behavioral flags applied as overlay attributes during synthesis. Per-domain version constants (DEMOGRAPHICS_VERSION, FINANCIALS_VERSION, etc.) are surfaced in each household's _meta block.
No. The shipped 1,451-household v3 corpus is frozen and not regenerable from current code (drift confirmed 2026-05-09). Sampler improvements land in a future v4 release with per-archetype golden fixtures in CI to prevent silent drift.
Download households matching this archetype as part of a Wealth Data Set.
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