Nicole Kaeding is a budget analyst for the Cato Institute focused on federal and state spending policy. Nicole’s articles have appeared in the Chicago Tribune, The Hill, National Review Online, and other publications. Previously, she was the state policy manager for Americans for Prosperity Foundation, where she oversaw the organization’s activities in 34 states. Before that, Nicole was a manager and bank officer at Fifth Third Bancorp for six years and a financial advisor at American Express. She graduated from Miami University with bachelors degrees in finance and political science and holds a masters degree in economics from DePaul University.