Since the publication of The Financial Diaries in 2017, our understanding of financial precarity outlined in Jonathan Murdoch’s research has evolved. Professor Murdoch will discuss how financial needs can be understood in terms of “lumps” and “flows”–where lumps are large payouts, such as a loans, inheritances or life insurance payouts, and “flows” are made up of the smaller, sustaining income received at a regular cadence. Credit unions will gain insights on the importance of both types of cashflow needs, and will be challenged to apply these models to better support their members.