A rules-based, 3x “risk dial” that uses bond strength and a volatility tripwire to shift between cash-like T‑Bills and leveraged S&P 500/Nasdaq. More bond momentum = more stocks; a volatility spike = park in T‑Bills.

1) Panic check: if a volatility fund (UVXY) looks overheated over ~30 days, it moves 100% to T‑Bills (BIL). 2) If calm, it splits money 50/50 into S&P 500 and Nasdaq‑100 buckets. 3) In each bucket, 8–9 quick tests compare how “hot” Treasury funds are vs the stock index over ~30 days. Each “yes” puts an equal slice into a 3x stock fund (UPRO or TQQQ); each “no” stays in T‑Bills. When “on,” you hold broad market and tech‑heavy exposure; when “off,” you sit in cash‑like T‑Bills.

Disciplined, rules-based tactical sleeve that uses volatility signals and Treasury momentum to time 3x equity exposure vs. cash. Provides a transparent, regime-aware diversification complement to SPY with explicit risk controls.