Location-independent remote worker, multi-state or international tax exposure, no fixed home, variable cost of living.
X-01 is the household whose physical location does not match its W-2 state of employment for meaningful portions of the year. The testing surface is multi-state residency analysis, Foreign Earned Income Exclusion eligibility, and the health-insurance gap that follows when domicile becomes ambiguous.
X-01 represents a household whose work is location-independent and whose physical presence reflects that — multi-state moves within a calendar year, partial-year residency in multiple jurisdictions, and in a meaningful share of cases substantial-presence-test exposure to non-US tax regimes or §911 Foreign Earned Income Exclusion eligibility. The diagnostic surface for tax software is the residency-vs-domicile determination: state of W-2 employment and physical presence routinely diverge, triggering partial-year residency returns in multiple states, statutory-residency tests (typically 183-day or 184-day rules) in NY, CA, and other aggressive states, and reciprocal-agreement application between states that have them. For households with international time, §911 FEIE eligibility requires either the physical-presence test (330 full days in 12 months) or bona-fide-residence test — both of which are difficult to evaluate without granular travel data the household frequently does not have. Health-insurance coverage is the structural side-effect: ACA marketplace plans are sold by state, employer-sponsored coverage is typically tied to a specific service area, and short-term limited-duration plans fill gaps inconsistently.
The corpus is mass-affluent ($138k median income, $316k median net worth) with a young median age (32) and high credit-card and student-loan incidence consistent with the demographic. The structural pattern is one of moderate accumulation against an above-average cost of compliance — every household carries a retirement goal, and goal on-track flags are mixed. Home ownership runs 60%, which is higher than one would expect for a 'nomad' archetype because much of the corpus is fully-remote rather than literally itinerant: the household maintains a primary residence in one state but works for an employer in another, which is the more common modern pattern. Digital-asset holdings appear with above-base-rate frequency, reflecting the demographic overlap between remote-tech workers and crypto adopters.
The distinction from neighbouring archetypes is the residency-determination surface. Same-income tech workers without the multi-state complication belong in A-06 or F-03; same-income freelancers with platform income but a single residency are X-02 or AR-01. International workers on H-1B with a single US employer are F-06. X-01 specifically requires the location ambiguity to be diagnostic — without it the archetype is just mass-affluent dual-income with a remote-work feature flag.
Aggregated across the 20 X-01 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Taylor and Kyle sit on the corpus income median and below the net-worth median — typical of the young dual-earner remote household in early accumulation. Both work in finance, both remote-eligible, primary residence is Sacramento but state of W-2 employment is not necessarily CA — and that single fact drives the household's tax-complexity surface. Liquid net worth of $96k against $59k of liabilities is healthy at the income, but they are flagged off-track on home purchase and retirement, behind the demographic norm.
Every X-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 X-01 most heavily. Tax-software vendors building consumer return-preparation flows use it for partial-year residency form generation, statutory-residency 183-day testing in NY and CA, §911 Foreign Earned Income Exclusion qualification (physical-presence test and bona-fide residence), and the related Forms 2555 and 8938 reporting. Payroll and employer-platform teams use it for multi-state withholding logic when an employee's work location varies by week or month — the right population for testing remote-work tax-allocation features that have emerged post-2020. Health-insurance and benefits platforms use it for coverage-gap modeling and state-by-state ACA marketplace eligibility against households whose state of residence is unclear at enrollment.
X-01 is the remote-work, mobile-residency archetype. Long-term international workers on H-1B with a single US employer and a single state of residency are F-06, not X-01. Creator-economy households whose income is platform-revenue rather than W-2 belong in X-02 even when they are equally mobile. Military households whose multi-state residency follows orders rather than choice are F-05 or MV-02 with Servicemembers Civil Relief Act protections that do not apply here. Recent immigrants in their first year of US work are U-03. Cross-border high-net-worth households with foreign trusts, PFIC holdings, and §877A expatriation considerations belong in H-tier with overlay — X-01 does not extend to those structural complexities.
Income and net-worth bands during v3 synthesis were anchored to mass-affluent dual-earner segments of the Survey of Consumer Finances and to BLS occupational-employment statistics for remote-eligible knowledge work. Multi-state residency, foreign-earned-income exposure, and digital-asset-holding flags were applied as overlay attributes; no published probabilistic prior on remote-worker tax-residency configurations exists that we could anchor to. State distribution (NY, MD, IL concentration) reflects metro concentrations of remote knowledge workers in industry data; it is not a probabilistic prior on nomad residency choice. Per CLAUDE.md §9 the v3 corpus is frozen and not regenerable from current code, so calibration claims are descriptive rather than reproducible.
Creator-economy / influencer with platform-revenue and 1099-NEC self-employment instead of W-2 remote employment. Mobility patterns overlap; tax surface diverges sharply.
International worker on H-1B visa with a single US employer and a single state of residence. The cross-border complexity is immigration-driven rather than residency-choice-driven.
Tech employee with equity at similar income but with a fixed state of residence. Use A-06 when the diagnostic question is RSU/ISO/ESPP tax surface rather than multi-state residency.
Crypto-heavy mass-affluent investor at similar demographics. Use N-01 when the digital-asset exposure is the dominant test surface, not multi-state residency.
X-01 — Remote Worker / Digital Nomad represents a mass-affluent household (median income $138k, median net worth $316k, median age 32) whose work is location-independent and whose physical presence routinely diverges from state of W-2 employment. The diagnostic surface is multi-state and sometimes international tax residency.
Partial-year residency return generation, statutory-residency 183-day testing, §911 Foreign Earned Income Exclusion qualification via physical-presence or bona-fide-residence tests, Forms 2555 and 8938 generation, multi-state withholding allocation, and FBAR threshold determination.
F-06 is an immigration-status archetype — single US employer, single state of residence, but cross-border complexity arising from visa status, FBAR obligations, and home-country accounts. X-01 is mobility-driven — US citizen or permanent resident whose physical-presence pattern varies by choice or remote-work flexibility.
Employer-sponsored plans have geographic service areas, and ACA marketplace plans are sold by state. Households moving across state lines mid-year encounter coverage gaps that COBRA does not always solve and that short-term limited-duration plans fill inconsistently. This is the right test population for marketplace eligibility flows that branch on residency.
Deterministically from a seeded sampler (Mulberry32 PRNG) in src/lib/generation/, with multi-state residency, foreign-earned-income, and digital-asset 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.
Download households matching this archetype as part of a Wealth Data Set.
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