Professional athlete or entertainer with short high-income career, large endorsement income, agent fees, post-career planning.
N-03 represents the short-career high-income household — peak earnings concentrated in 3–10 years, multi-state jock-tax exposure, large endorsement and image-rights income, and a post-career income cliff that makes conventional retirement-projection software return nonsense.
N-03 represents a financial profile that breaks most planning software's working assumptions. Career income is non-monotonic and time-bounded — a $300k–$525k peak that may compress into a 3–10 year window and then fall to a fraction of that level. Tax exposure is multi-state: every away game or out-of-state performance creates a duty day allocation under state-by-state jock-tax statutes (NY, CA, IL, and most professional-sports states), with credits at the resident state and apportionment headaches for the preparer. Endorsement and image-rights income arrives as 1099 self-employment under contracts that often route through an LLC or loan-out S-corp specifically to manage agent fees, training expenses, and qualified-business-income §199A treatment. Loan-out structures complicate reasonable-compensation analysis and payroll-tax planning. Post-career income planning is the dominant strategic question — typically deferred-comp, NIL-trust structures for younger athletes, or a §457(f) substantial-risk-of-forfeiture deferred arrangement for entertainers — and is the surface no generic retirement-readiness engine projects correctly.
The corpus reflects this structurally: median income $364k against median net worth $2.25M, with liquid net worth ($967k median) materially lower than total net worth. The cash-flow profile is heavily front-loaded; the goal mix is dominated by retirement (every household), debt payoff (8 of 12), and emergency funds — and notably under-represented on home purchase (only 1 household has it as an explicit goal). Median age is 32 with a range of 23–38, which is the active-career band. Twelve of 12 are homeowners or near it, often through team-arranged or agent-brokered financing that is not a conventional W-2-based mortgage underwrite.
What separates N-03 from neighbouring high-income archetypes is the career duration and the post-career cliff. P-01 corporate executives, P-03 dual high-income professionals, and H-02 HNW households expect monotonic or rising income over a 30–40 year arc. N-03 households are explicitly the inverse: maximum income at age 28, near-zero by 38, and a 60-year retirement horizon to fund from a 5-year accumulation window. Generic planning software's IRR-and-savings-rate framing fails here.
Aggregated across the 12 N-03 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Ryan is a 35-year-old single creative-industry primary in the NYC metro at the upper end of the N-03 income (corpus p75 $453k) and net-worth (corpus max band $2.8m–3.5m) distributions — $457k income, $3.54M net worth, $1.57M liquid. The seed's `creative` industry tag is the closest match the v3 industry taxonomy carries to the archetype's athlete/entertainer thesis (the taxonomy has no athlete or performer code; finance, technology, healthcare, professional_services, and creative are the codes other N-03 reps use), so this rep is the structural shape — high-income young-single with $1.33M already in taxable brokerage, $728k across 401(k)/IRA/Roth, a NY primary residence with a $504k mortgage at 4.5%, and an $809k real-estate-crowdfunding alt position — that the archetype tests against rather than direct evidence of headline-earnings performance income. Retirement and debt payoff are both on-track flagged, making the diagnostic question whether the planning software handles the multi-state apportionment and post-career-cliff projection layers cleanly once a jock-tax or NIL overlay is added on top.
Every N-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 N-03 most heavily. Tax-software vendors building state-by-state apportionment engines use it for jock-tax duty-day allocation, multi-state nonresident return generation, and resident-state credit calculation under 10–20 simultaneous state returns. Wealth-platform engineering teams serving athlete and entertainer advisory practices use it for cash-flow projection UIs that must model a 5-year peak and a 50-year decay rather than a linear accumulation, plus for NIL-trust, loan-out S-corp, and deferred-comp account structures. Mortgage and consumer-lending teams use it for non-standard income documentation — endorsement-contract-backed underwriting, loan-out distribution income, and image-rights royalty streams that conventional automated underwriting cannot evaluate.
N-03 excludes pre-liquidity founders whose paper wealth follows a similar concentrated-event pattern — those are P-01 or P-02. Career-long high-income professionals (surgeons, executives, partners) with monotonic earnings arcs belong in P-01, P-03, or A-05; the differentiator is N-03's compressed career and post-career cliff. Sudden-wealth recipients from inheritance or settlement are P-06, not N-03. Estate-planning grantors who became wealthy through a long career and are now planning legacy are E-02. Younger entertainer households whose income has not yet hit the peak — child actors, junior athletes, NIL college earners — are an X-02 or AR-01 overlay rather than N-03 directly. Households where the career-ending event is injury-driven and the income transition is involuntary touch on HC-02 (disability claimant) territory.
Income and net-worth bands during v3 synthesis were anchored to NCAA / NIL marketplace data, published professional-league rookie-contract and median-salary tables, and BLS occupational-employment statistics for athletes, musicians, and performers. State distribution (NY, CA, ME concentration) is illustrative of where the resident state appears in athlete and entertainer rosters; it is not a probabilistic prior on residency choice. Endorsement-income share, agent-fee deduction patterns, and loan-out structure prevalence were synthesised as overlay attributes; no public probabilistic prior was used. 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.
Career-long corporate-executive earnings arc — monotonic, 30+ year accumulation. Use P-01 when high income persists across a normal career; N-03 specifically models the compressed earnings window.
Sudden-wealth recipient from inheritance, settlement, or single liquidity event. P-06 has the same magnitude but a different origin; N-03's wealth is earned over a short career.
Creator-economy / influencer at lower income and earlier life stage. X-02 has irregular self-employment income and brand-deal complexity but typically does not yet have the post-career cliff or NIL-trust structures.
Artist / creative with royalties and irregular income at a typically lower income tier. AR-01 covers the long-tail creative income profile; N-03 is the high-income peak-and-cliff variant.
N-03 — Professional Athlete / Entertainer represents a household with a short high-income career (typically 3–10 years), large endorsement and image-rights income, multi-state jock-tax exposure, and a post-career income cliff. Median income $364,389, median net worth $2.25M, median age 32.
N-03 households earn at peak through their late twenties and early thirties, then face a structural income decline that is unlike any other high-income archetype. The accumulation window that must fund 50+ years of retirement is 3–10 years long. Generic retirement-projection software assumes monotonic or rising income and produces nonsense when applied here.
Multi-state jock-tax duty-day apportionment, loan-out S-corp reasonable-comp and §199A QBI testing, §457(f) deferred-comp modeling, NIL-trust structuring, image-rights royalty valuation, and non-standard mortgage underwriting backed by endorsement contracts and royalty streams.
Income magnitude can be similar, but P-01 has a 30+ year monotonic earnings arc; N-03 has a 3–10 year peak followed by an income cliff. Use P-01 when the cash-flow projection can assume sustained high income; reach for N-03 when the central planning challenge is the post-peak decay.
Deterministically from a seeded sampler (Mulberry32 PRNG) in src/lib/generation/, with endorsement-income share, agent-fee patterns, and loan-out structure flags applied as overlay attributes. Per-domain version constants 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.
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