DINK household, both working professionals, combining finances, saving for a home purchase, beginning to build wealth.
F-03 — Young Dual-Income Couple (No Kids), often shorthanded as "DINK," is one of 71 archetypes shipped in WealthSchema's synthetic household data sets. It appears in six data bundles spanning tax planning, compliance & audit, and estate & wealth transfer, and is used by fintech builders, financial software makers, and compliance teams to test workflows on realistic formation-phase households without touching real customer data.
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 WealthSynth v3 corpus. Numbers describe the corpus, not population claims.
Abigail and Kyle are a partnered household in San Antonio renting while they save for a first home. Combined gross income is $96k, with $202k in liquid assets and $42k of total liabilities — almost entirely revolving balances. They are on track for the debt-payoff goal and behind on both the home-purchase and retirement timelines, a pattern typical of the F-03 corpus.
Every F-03 household ships with — at minimum — these JSON fields populated. The full schema is documented in the data set you purchase.
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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