@artsycat Hi wassup - the biggest benefit of an RA is the fact that you get to invest your pre-tax income and thus lessen your income tax burden. I have no idea what an admitted attorney earns, but I assume it's pretty well, so would definitely recommend investing in an RA to reduce the already substantial amount of tax you'd have to pay. The idea is that you save this money, and don't pay tax on it now, so that you can earn compounding returns and when you withdraw it when you retire and pay the tax on it, you pay less tax (because you have comparively lower living costs eg no rent bc you own your house and get a higher age related tax rebate). Ie don't pay the tax now, earn interest on it and pay it later with a bigger discount. B-)