Two-speed plan: in rough markets, buy sharp 5‑day dips with leveraged stock ETFs or sit in cash. In calm bull markets, hold ~55% leveraged stocks and 45% leveraged Treasuries; flip to cash when short‑term stress appears. Daily checks, 1099/no K‑1.

Daily it chooses between cash (BIL), leveraged stocks, and leveraged Treasuries based on market stress. If SPY has been down >10% from a high in the past year: only buy big 5‑day dips (>5%) in QQQ/SPY via TQQQ/UPRO; otherwise stay in BIL and avoid buying on >5% rebound days. Else (calmer): if the past 10 days show <5% drop, hold ~55% UPRO/TQQQ (sized by recent volatility) and 45% TMF; otherwise BIL. Tickers: BIL=T‑Bills; SPY=S&P 500; QQQ=Nasdaq‑100; UPRO=3x SPY; TQQQ=3x QQQ; TMF=3x long Treasuries.

Out-of-sample annualized return ~3.96% vs SPY ~21.49%, yet this rules-based sleeve emphasizes risk control (bear-dip triggers, cash shield) and daily transparency, offering a meaningful diversification complement to SPY rather than a direct replacement.