Foreign national on H-1B visa, high tech salary, FBAR obligations, remittances home, visa-dependent financial decisions.
F-06 is the visa-constrained formation household: H-1B-sponsored tech employment in a Tier-1 metro, FBAR and Form 8938 disclosure obligations on overseas accounts, remittances home, and every financial decision shadowed by the green-card timeline.
F-06 captures the H-1B-status formation household whose entire financial planning surface is mediated by visa status. The defining technical surface is regulatory: Foreign Bank Account Report (FBAR / FinCEN 114) filing obligation on any aggregate $10k+ in foreign accounts, Form 8938 Statement of Specified Foreign Financial Assets attached to the 1040 above the $50k/$100k thresholds, and the resident-alien-for-tax-purposes determination under the substantial-presence test that pulls worldwide income onto the US return. State-tax treatment of pre-arrival foreign income, treaty-based residency tie-breaker elections, and the §911 foreign-earned-income exclusion (which generally does not apply once the household passes substantial presence) are live questions. Compensation is typically high-W-2 — median gross of $125,969, the highest in the entire Formation cohort — driven by tech-employer sponsorship at large-cap tech or large-enterprise scale. Retirement-plan participation is normal (401(k) with match), but the household routinely under-contributes because of green-card uncertainty: a 401(k) balance is not a liability if the household returns home, but the early-withdrawal penalty and US-tax inefficiency on distribution complicate the calculus.
Cash-flow shape is unusual at the formation-cohort scale: 12 of 20 households are homeowners (60% — second only to F-05 among Formation archetypes), with 12 carrying mortgages and 12 carrying student loans (often US-graduate-program debt, frequently denominated and paid in US dollars even though family income origin is overseas). Liquid net worth median of $122,311 is materially higher than F-01, F-02, or F-04 at the same life stage — the H-1B income premium and the strong saving rate driven by green-card uncertainty produce a balance-sheet profile that looks affluent for the household's age but constrained on the legal-status axis.
F-06 is distinct from neighbouring archetypes because visa status is the load-bearing variable. F-04 (First-Generation Wealth Builder) shares the immigrant-family context but does not have visa-status as the active financial constraint. F-01 (New Graduate Tech Worker) has similar W-2 tech income but no FBAR exposure and no visa-tied employment. The household's green-card timeline (PERM filing, I-140 approval, priority-date wait for EB-2 or EB-3) is the single most important variable in any multi-year planning scenario, and the corpus is calibrated to reflect that constraint without modelling any specific outcome.
Aggregated across the 20 F-06 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Joshua and Samantha are a dual-tech-W-2 MFJ F-06 household with one dependent, both spouses coded Technology — the canonical H-1B-employer-sponsorship industry pattern the archetype is built around. Combined gross of $112.9k sits at the corpus p25 ($112k), but the household carries $175k of liquid assets and only $21.2k of total liabilities, producing the liquid-rich, debt-light balance sheet typical of green-card-uncertainty saving behavior. Richmond is a secondary tech-employer hub rather than the Bay Area / NYC / Boston Tier-1 the F-06 corpus over-weights, but the underlying signature — visa-status-tied employment, sub-median income with over-median liquid savings, no Social Security history to lean on — is exactly the F-06 testing surface. The diagnostic goal mix follows the prose: on track for the $2.35M retirement target ($1,016/mo actual against $987/mo required, the over-saving-for-departure-hedge pattern) while behind on the $90k home-purchase goal and a $520k education-funding target — exactly the configuration that breaks naive 'rebalance toward home purchase' planner advice.
Every F-06 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-06 most heavily. International-tax-prep platforms and the international tier of professional tax-prep software use it for FBAR companion-filing, Form 8938 inclusion, treaty-based-position disclosure (Form 8833), and resident-alien-for-tax-purposes mechanics. Mortgage-origination platforms with foreign-national programs (large-bank international-client programs and credit-union partners serving tech hubs) use F-06 to validate underwriting flows that handle visa expiry dates, foreign-credit-history substitution, and the 'tied employment' job-loss risk modelling. Cross-border-banking and remittance platforms (including home-country-bank US-NRI account products) use the corpus to test the typical H-1B remittance corridor pattern.
F-06 is H-1B specifically. L-1 intra-company transferees, O-1 extraordinary-ability workers, and TN status under USMCA are not modelled here; though they share the FBAR/8938/substantial-presence surface, the legal-status mechanics differ. Spouses on H-4 (with or without H-4 EAD work authorisation) are present in the corpus as spouse records but the H-4-EAD-revocation risk is not a separate testing axis. Recently arrived workers in their first 18 months pre-substantial-presence are not the modal F-06 — they overlap U-03 (Recent Immigrant — Working). Already-naturalised or green-card-holding tech workers without active visa-status constraint belong in F-01, A-06, or F-04 depending on income and equity. Finally, the H-1B household with materially higher equity comp post-IPO is closer to A-06 with an F-06 overlay; the corpus does not stress the post-liquidity-event branch.
Income distributions during v3 synthesis referenced public USCIS H-1B Labor Condition Application wage data and BLS Occupational Employment Statistics for software, data, and engineering roles in MA, NY, and CA tech hubs (the empirically dominant H-1B-employer states). Homeownership rates referenced HMDA data filtered to non-citizen borrowers in tech-MSA ZIP codes. The deliberate over-representation of CA, NY, and MA reflects employer-sponsorship concentration rather than a uniform-state assumption. Country-of-origin is not modelled as a categorical feature; FBAR exposure is parameterised by aggregate foreign-account balance rather than specific corridor. Per CLAUDE.md §9 the v3 corpus is frozen; these notes describe priors applied at synthesis rather than a reproducible regeneration path.
F-04 households are first-generation but not visa-constrained — naturalised, green-card-holding, or US-born. F-06's load-bearing variable is the H-1B status itself.
F-01 is the US-citizen tech-worker peer with the same income range but no FBAR, no substantial-presence-test mechanics, and no visa-tied employment risk.
U-03 is the recent-immigrant working household in the first 18 months of US settlement, often pre-substantial-presence-test. F-06 is past initial settlement and is the steady-state H-1B working profile.
A-06 is the post-vest tech employee with material realized equity. F-06 households often hold equity too, but the corpus stresses the visa/FBAR axis rather than the AMT/ISO axis.
F-06 — International Worker (H-1B) models the H-1B-sponsored formation household: high tech-W-2 income, FBAR and Form 8938 exposure on overseas accounts, remittances home, and multi-year green-card-priority-date planning. Visa status is the load-bearing variable in every financial decision.
No — F-06 is H-1B specifically. Other non-immigrant work-visa categories share some of the same FBAR/substantial-presence surface but the legal-status mechanics (employer-tie strength, dual-intent doctrine, priority-date applicability) differ enough that they would need their own archetype.
Median household income is the highest in the Formation cohort at $125,969, concentrated in employer-sponsorship states (CA, NY, MA) with mature foreign-national mortgage programs at large-bank international-client groups and credit-union partners. 12 of 20 corpus households are homeowners — driven by income, not by special program access.
Households are parameterised by aggregate foreign-account balance ranges that exercise the $10k FBAR trigger and the §6038D Form 8938 tiers. Country-of-origin is not modelled as a categorical feature; the testing surface is the disclosure obligation itself rather than corridor-specific mechanics.
Structurally, yes — through unusually high 401(k) and brokerage saving rates for the income level, reflecting the empirical pattern where H-1B households over-save against the possibility of departure. The actual priority-date is not modelled as a household field; the financial signature reflects the behavioural consequence.
No. The shipped v3 F-06 corpus is frozen as of the corpus drift confirmation on 2026-05-09. Sampler improvements land in a future v4 release; the current 20 households are not reproducible from current code.
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