Might be a stupid question, but is it worth getting one and how exactly does an RA work?   I have a TFSA and I have an EasyEquities account, but I often find myself not taking full advantage. It's not like I do not have the money to invest, but I do lack the discipline I think the last ETF I bought was in April. Instead I ate out and opened a second gym contract.   Funny thing is, since I opened this Discovery Bank account it really made me think about what happens the day I