DINK household, both working professionals, combining finances, saving for a home purchase, beginning to build wealth.
F-03 is the DINK inflection point: the first joint balance sheet, two synchronised W-2 incomes, no dependents yet, and a savings rate that is structurally higher than the household will see again until retirement decumulation.
F-03 represents the dual-income married or partnered household in the formation phase of wealth: two earners in their late twenties to mid thirties, no children yet, both contributing to a single combined balance sheet for the first time. The defining financial event of this archetype is not a single decision but a sustained one — converting a high marginal savings rate into the down payment, retirement contributions, and debt paydown that will compound for the next forty years.
Cash flow is the dominant story. Two W-2 incomes between roughly $80k and $180k combined, no childcare yet, and discretionary income that is structurally higher than it will ever be again. The household typically files MFJ, contributes to two employer-sponsored retirement plans, and is actively comparing renting against a first home purchase. Liabilities are concentrated in student loans and credit-card revolving balances rather than mortgages — about a third of the corpus has already bought, the rest are saving for it.
What makes F-03 distinct from neighbouring archetypes is the absence of dependents and the presence of two synchronised earners. Tax planning is meaningful but not yet complex (no Schedule C, no AMT exposure, no equity comp at scale). Goals are short and crisp: emergency fund, home purchase, retirement, debt payoff. Most households in the corpus are on track for retirement and behind on the home-purchase timeline — a pattern that drives the product use cases below.
Aggregated across the 25 F-03 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Abigail and Kyle illustrate the domestic-partnership variant of F-03 — not MFJ, but the same dual-earner-no-kids structural pattern. Combined gross of $96k sits below the corpus median, yet liquid net worth of $202k against only $42k of liabilities (almost entirely revolving balances) puts them ahead of the typical F-03 on the balance-sheet axis. They are on track for debt payoff and behind on home purchase and retirement — the diagnostic mismatch between a healthy current cash position and a forward-looking goal trajectory that current savings rates do not support.
Every F-03 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-03 most heavily. Mortgage-origination and pre-qualification platforms (including regional credit-union digital intake) use it to test the dual-income DTI calculation, FHA-vs-conventional decision logic, and the joint-credit-pull merge step where both applicants' student-loan balances are aggregated. Tax-software teams use the corpus to exercise the MFJ-vs-MFS branch — the small subset of F-03 households that file MFS specifically stress the IBR/SAVE student-loan-payment optimisation case where MFS reduces payment but increases tax. Robo-advisor onboarding teams use F-03 as the canonical dual-account, dual-employer-plan intake to verify joint-account establishment, beneficiary designation, and coordinated contribution-rate UX.
F-03 is dependent-free by definition. The household with one or more children but the same dual-income, two-W-2 structure is A-01 (Young Family — First Home); reach for A-01 when the testing surface requires 529 funding, childcare-cost line items, or the dependent-care FSA. The single formation-phase earner is F-02 (gig 1099) or F-01 (W-2 tech) depending on income type. Materially higher combined income with maxed retirement plans and a taxable brokerage in active use belongs in A-03 (Dual-Income Professional Couple). LGBTQ+ couples with domestic-partnership filing complexity beyond what F-03 surfaces should look at X-03 — F-03 includes a small number of partnership households but does not stress state-by-state recognition variability. Finally, F-03 carries no equity compensation at scale; the tech-equity DINK is best modelled as F-03 layered with A-06 attributes.
Combined-income distributions during v3 synthesis referenced the Survey of Consumer Finances (SCF) dual-earner married-household tabulations and Census ACS PUMS data for partnered households without children in the 26–34 age band. Geographic concentration in CA, NY, and TX reflects the empirical distribution of dual-income professional couples in those age and income bands rather than a uniform-state assumption. The deliberate absence of dependents is structural, not statistical — F-03 is the no-kids cell of the formation cohort by construction. Per CLAUDE.md §9 the v3 corpus is frozen; these notes describe the priors applied at synthesis rather than a reproducible regeneration path.
Single, not partnered. F-02 has one earner instead of two, which roughly halves combined income and changes the tax-filing surface entirely.
First-generation wealth builder, mass-market wealth tier. Lower combined income, no inherited assets, and remittances appear in the cash-flow profile.
The natural next stage. A-01 households have added one or more dependents, which compresses discretionary income and adds education-funding goals at materially higher target amounts.
F-03 — Young Dual-Income Couple (No Kids) represents the DINK household: two earners in their late twenties to mid thirties, married or partnered, with no dependents. They are in the formation phase of wealth, combining finances for the first time and converting a high savings rate into a down payment, retirement contributions, and debt paydown.
The 25 shipped F-03 households have a combined gross income median of $117,870, with a 25th-to-75th-percentile range of $104,323 to $126,690. Both members are W-2 earners in every record; there are no self-employed F-03 households in the corpus.
F-02 is a single-earner formation household; F-03 is dual-earner. The structural difference is two income streams and a joint balance sheet rather than one of each, which changes filing status (MFJ vs single), retirement-plan coverage (two employer plans vs one), and the realistic time-to-down-payment for a first home.
F-03 is tagged for six bundles — B02, B04, B06, B13, B14, and B22 — covering tax planning, retirement contribution strategies, home-purchase planning, debt payoff, employee benefits, and behavioral finance. See the right-hand sidebar for the data sets that ship F-03 households.
Deterministically from a seeded sampler (Mulberry32 PRNG) in src/lib/generation/. Each domain — demographics, financials, behavioral, life events, goals, insurance, names — has its own version constant surfaced in the household's _meta block, so the audit trail is granular per domain rather than per-household.
The shipped 1,451-household v3 corpus is frozen and not regenerable from current code (drift was confirmed on 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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