My next guest started investing at three different points in life. He first started in the 1990’s which resulted in some nice returns but he made the mistake of selling way too early and missing out on substantial gains. This caused him to hit the pause button and focus on school. Then in 2013 he picked up investing again and made some decent returns but stopped yet again because he wasn’t confident with his strategy. Then in 2017 he finally picked it up again but this time he’s decided to commit for the long-term. In this episode he breaks down his strategy and how he now makes consistent returns of 26%. Please welcome Xavier Baars.