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Vicki Cook is a freelance writer and personal finance blogger behind the sites Make Smarter Decisions and Women Who Money. She enjoys writing about real estate investing, financial independence, career decisions, and travel. Vicki holds a doctoral degree in Educational Leadership from the Warner School of Education at the University of Rochester in New York. She’s been a high school science teacher, a school administrator and a college professor in her almost 30-year career as an educator. She’s also been a landlord for 25 years. Vicki left full-time employment after achieving financial independence and is now pursuing passion projects.