Social media creator with brand deal income, platform revenue, merchandise, highly variable income, self-employed.
X-02 is the single-earner creator household whose income is composed of platform-revenue shares, brand-deal 1099-NECs, merch and IP licensing, and erratic monthly variance. It is the testing surface for self-employment-tax flows, quarterly estimated payments, and Solo 401(k) eligibility.
X-02 represents the household whose primary income is creator-economy revenue rather than W-2 wages: platform revenue-share from YouTube AdSense, TikTok Creator Fund, Twitch subscriber-and-bits, Patreon and Substack subscription income; brand-deal payments routed through 1099-NEC contracts; merchandise gross-margin; and licensing income from IP the creator owns. The diagnostic surface for tax software is the self-employment compliance stack: Schedule C income with home-office (§280A) deduction eligibility, Schedule SE self-employment tax computation at 15.3% on the first $168,600 (2024) plus the additional Medicare tax above $200k, quarterly estimated payments under §6654 to avoid underpayment penalties on lumpy income, and §199A QBI deduction analysis (subject to specified-service-trade-or-business and W-2 wage limitations). For wealth-platform engineering teams the surface is variable-income retirement contribution: the Solo 401(k) and SEP-IRA contribution limits are computed on net self-employment earnings after the deductible-SE-tax half, which is a calculation most retail retirement-contribution UIs do not handle.
The structural picture is mass-affluent income with above-average liabilities for the wealth tier — median income $129k, median net worth $309k, but 15 of 18 households carry mortgages (the highest mortgage-incidence in our C14 set) and total liability levels are high relative to net worth. All 18 households file Single. Median age 28 is the youngest in the C14 cohort. The corpus deliberately concentrates in TX, NY, and NJ (11 of 18), reflecting creator-economy population centres at v3 synthesis. Goals are dominated by retirement and emergency fund, with home purchase notably under-represented despite the homeowner concentration — most of the corpus has already bought.
The distinction from neighbouring archetypes is the income composition and the structural irregularity. AR-01 (artist / creative with royalties) shares the IP-licensing surface but typically operates at lower income and with royalty-stream concentration rather than platform-revenue diversification. F-02 (gig-economy starter) shares the 1099 self-employment surface but at much lower income and without the brand-deal or IP-ownership complexity. N-03 (athlete / entertainer) has overlapping image-rights and endorsement surface but in a different career-arc shape entirely. X-02 specifically requires platform-mediated revenue to be the dominant income source.
Aggregated across the 18 X-02 households in the shipped v3 corpus corpus. Numbers describe the corpus, not population claims.
Jacob sits near the corpus income median and just below the net-worth median — typical of the late-twenties single creator in Austin who has converted platform income into a primary residence early. Total liabilities of $369k against net worth of $299k means the household is mortgage-leveraged at this wealth tier, which is structurally normal for the corpus but produces a thin liquid-to-mortgage ratio. He is on-track for retirement but flagged off-track on emergency fund — the canonical X-02 pattern: monthly income is plenty in aggregate, lumpy enough that buffering breaks.
Every X-02 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-02 most heavily. Tax-software vendors building self-employed return-preparation flows use it for Schedule C generation with multi-source 1099 reconciliation, Schedule SE tax computation, §199A QBI deduction analysis with the SSTB and W-2-wage limits, and §6654 quarterly-estimated-payment safe-harbor calculation. Recordkeeping platforms supporting Solo 401(k) and SEP-IRA products use it for variable-income contribution-cap computation — these require net SE earnings after the deductible-SE-tax half, which most retail flows handle incorrectly. Mortgage origination teams use it for irregular-income underwriting against creator borrowers whose 24-month income history shows above-average month-to-month variance but solid annual totals.
X-02 specifically models creators whose primary income is platform-mediated, brand-deal, and IP-licensed revenue. Long-tail artist and royalty income at lower magnitude with similar irregularity is AR-01. Gig-economy workers earning per-task income via rideshare, delivery, or task platforms are F-02 — different irregular-income surface, no brand-deal complexity. Professional athletes and entertainers with similar endorsement income but a career-arc cliff are N-03. Creator households where the creator is married with a W-2 spouse fall outside this corpus by design (all 18 households file Single); MFJ versions belong as overlays onto F-03 or A-03. UHNW creators whose IP portfolio is now mediated through a loan-out entity and family-office advisors belong in P-02 or H-tier with creator-economy flags.
Income and net-worth bands during v3 synthesis were anchored to BLS occupational-employment statistics for self-employed independent artists and writers, supplemented by IRS SOI Schedule C distributions for the relevant NAICS codes. Platform-revenue and brand-deal share, IP-ownership flags, and income-variance overlay attributes were synthesised illustratively; no public probabilistic prior on creator-economy income composition was available to anchor against. State distribution (TX, NY, NJ concentration) reflects creator-economy population centres at v3 synthesis. The decision to keep all 18 households Single is a deliberate scoping choice. Per CLAUDE.md §9 the v3 corpus is frozen and not regenerable from current code, so calibration claims are descriptive rather than reproducible.
Artist / Creative with royalty and irregular income at typically lower magnitude. Same IP-ownership surface but without the platform-revenue diversification or brand-deal density.
Gig-economy starter with per-task income via rideshare, delivery, or task-marketplace platforms. Lower income, different irregular-income surface, no IP or brand-deal element.
Professional athlete or entertainer with similar endorsement and image-rights income but a structural post-career income cliff. Use N-03 when career-arc shape is the differentiator.
Remote worker / digital nomad with W-2 income and multi-state residency complexity. Mobility patterns overlap; the income-source side is the key differentiator.
X-02 — Creator Economy / Influencer represents a single-earner household whose primary income is platform-mediated creator revenue, brand-deal 1099-NECs, merchandise gross-margin, and IP licensing. Median income $128,967, median net worth $308,695, median age 28. All 18 corpus households file Single.
Schedule C generation across multiple platform and 1099-NEC sources, Schedule SE self-employment tax computation, §199A QBI deduction (with unresolved SSTB classification for creator work), §6654 quarterly-estimated-payment safe harbors, and 1099-K reconciliation under the new reporting thresholds.
AR-01 is the long-tail creative income profile — royalty streams, irregular income at typically lower magnitude. X-02 is the platform-mediated, brand-deal-driven version at mass-affluent income with substantial monthly variance. Same IP-ownership surface but very different revenue composition.
15 of 18 households are homeowners with mortgages — the highest in the C14 cohort. The pattern reflects creators converting platform income into primary residences early, often using stated-income or non-QM products underwritten against 1099 history rather than W-2 income. Useful for testing irregular-income mortgage origination flows.
Deterministically from a seeded sampler (Mulberry32 PRNG) in src/lib/generation/, with platform-revenue share, brand-deal density, and income-variance 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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