Recent college graduate in a tech role, high income relative to peers, significant student debt, renting in HCOL city, beginning to invest.
F-01 is the year-one-out-of-school engineer in a high-cost metro: first W-2, first 401(k) enrollment, six-figure student-debt expectation that ends up being five-figure reality, and an RSU schedule that has not yet vested its first cliff.
F-01 captures the earliest tax and benefits surface in the entire catalogue. The defining technical wrinkles are concentrated at onboarding: a first-year withholding profile that almost always under- or over-withholds because the W-4 default assumes a full year of wages against a partial-year base, a 401(k) match that the household frequently fails to capture in full during the eligibility-waiting window, and an RSU grant whose first vest will land mid-following-year and produce a supplemental-withholding mismatch. Student loans dominate the liability side — every one of the 30 corpus households carries both credit-card and student-loan balances — and the borrower is typically still in the six-month post-graduation grace period or has just exited it, so SAVE/IBR/Standard repayment-plan choice is a live question rather than a settled one.
Cash flow is structurally unusual: a median gross of $55,496 against rent in a Tier-1 tech metro produces a savings rate that looks much worse than the wealth tier suggests. The corpus' median liquid net worth of $26,771 is dominated by checking-plus-savings rather than brokerage, because most households have not yet hit their first full vest. Five of 30 households sit in negative-net-worth territory; this is by design, modelling the new grad whose principal student-loan balance still exceeds accumulated 401(k) contributions and any signing-bonus residual.
What sets F-01 apart from neighbouring archetypes is the single-earner, high-income-trajectory, low-current-net-worth combination paired with equity comp that has not yet materially appeared on a tax return. The household is not yet a Tech Employee with Equity (A-06) — RSUs are scheduled rather than vested, and the AMT/ISO surface is theoretical. It is not yet a Dual-Income Couple (F-03) — only one earner exists and dependents are essentially absent (4 of 30). It is the lifecycle moment immediately before either of those branches is taken.
Aggregated across the 30 F-01 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Ethan is one of the small minority of F-01 households (4 of 30) that carries a dependent — a single-parent edge case useful precisely because it stresses HoH-vs-Single filing logic against a profile that otherwise looks like a textbook new graduate. Gross income of $55,560 sits at the corpus median; the $601k education-funding target dwarfs the $44k home-purchase goal, and both are flagged off-track. The diagnostic value is the interaction between an industry-coded 'Education' primary, a sub-poverty-relative dependent-care cost, and a retirement target ($1.17M) that current savings rates do not approach.
Every F-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 F-01 most often. Robo-advisor and direct-to-consumer brokerage onboarding teams use it to validate first-account intake where the customer arrives with a W-2 stub but no prior brokerage history — the corpus exercises minor-to-major account transitions, employer-plan eligibility waiting periods, and the supplemental-withholding edge cases around signing bonuses. Student-loan servicers and refinance platforms (private student-loan refinance providers plus federal servicer integrations) use F-01 for SAVE/IBR/Standard repayment-plan comparison engines where the borrower's first-year AGI is still partial. Tax-software QA teams use it for the §221 student-loan interest deduction phase-out range and the W-4 mid-year-start withholding pattern that consistently surfaces refund-vs-balance-due bugs.
F-01 deliberately excludes equity that has actually vested in material amounts. If your testing surface requires ISO/NQSO exercise, AMT preference items, or 83(b) elections that have been filed and matured, A-06 (Tech Employee with Equity) is the correct corpus — F-01 households have grants on paper only. Self-employment income is also out of scope; the new grad in a 1099 contract role is F-02 (Gig Economy Starter). Recent graduates on employment-visa status with FBAR exposure live in F-06 (International Worker — H-1B), not here. Finally, F-01 carries no dependents at the modal household; the rare new-grad single-parent case (the corpus surfaces a few) is structurally closer to A-02 once children are present.
Income bands during v3 synthesis were anchored to BLS Occupational Employment Statistics for entry-level software and adjacent technical roles, with HCOL concentration informed by the geographic clustering observed in Bureau of Economic Analysis MSA-level wage data. Student-loan balance distributions reference Federal Reserve G.19 consumer-credit aggregates and broad NCES completion-debt averages rather than any specific cohort match. Per CLAUDE.md §9 the v3 corpus is frozen and these calibration claims describe the priors applied during synthesis, not a reproducible regeneration path. Equity compensation is modelled as scheduled grants without realized vests by design — the post-vest profile lives in A-06.
A-06 is what F-01 becomes once equity vests in size. Use A-06 when your testing surface requires realized RSU income, ISO exercises, or AMT preference items rather than scheduled-but-unvested grants.
F-03 adds a second earner and a joint balance sheet. Reach for F-03 when the testing scenario involves MFJ vs MFS filing, two employer-plan coverages, or coordinated down-payment savings.
F-02 substitutes 1099 self-employment income for W-2. Choose F-02 when the new-grad scenario involves Schedule C, SE tax, and the absence of an employer-sponsored retirement plan.
SL-01 is the PSLF-track new graduate working in nonprofit or government employment. F-01 households are not PSLF-eligible at the modal industry coding.
F-01 — New Graduate Tech Worker models the household in its first 12–24 months out of college: one W-2 income in the $40k–$72k band, student loans on every record, scheduled but not yet vested RSU compensation, and renting in a Tier-1 tech metro. It is the formation-phase entry point that branches into A-06, F-03, or F-02 depending on which life event hits next.
F-01 is pre-vest; A-06 is post-vest. F-01 households carry RSU grants on paper but have not yet produced realized equity income, so AMT, ISO exercise mechanics, and concentrated-position risk are not yet on the balance sheet. A-06 is the right archetype once vests have begun to materially appear on the W-2.
By design. The defining technical surface for the corpus is the interaction between first-year W-2 income and active student-loan repayment — repayment-plan choice, the §221 interest deduction phase-out, and the post-grace transition. Records without student loans would not exercise that testing surface and are modelled in other formation archetypes.
Median gross income of $55,496 with a 25th-to-75th-percentile range of $49,753 to $62,466. The distribution skews to the lower entry-level band rather than the top-of-market signing offers that show up in A-06; this is intentional because F-01 represents the median first-year experience, not the top-decile outlier.
Yes — specifically the rejection or marginal-approval path. 24 of 30 corpus households carry an active home-purchase goal but have DTI ratios and down-payment savings inconsistent with conventional or FHA approval at current income. The corpus is well-suited to testing the 'not yet' messaging path and FHA-vs-conventional eligibility differentials.
No. The shipped v3 F-01 corpus is frozen as of the corpus drift confirmation on 2026-05-09. Sampler improvements land in a future v4 release with per-archetype golden fixtures in CI; the current 30 households are not reproducible from current code.
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