Over the years, as we have worked to improve financial well-being for workers, we have heard concerns about whether getting paid as you earn is safe. For example: "What if I take too much money?" "Surely people will just spend it all at the pub and not pay their bills." "This seems irresponsible!" It might seem like a very new idea at first. However, current research shows that flexible pay is a safe and strong tool to help with budgeting and healthy finances. Specifically, 78% of Stream users say they spend less and budget more than before using Stream. Of that group, 82% say their better money habits are directly because of using Stream. Some of their experiences include: "I can pay bills on time, so no more late fees." "More focus on my finances; the app taught me to budget better." "I use the shopping vouchers." "I can pay bills when they come up, so I budget better for those things, and my pay lasts longer." "I can see how much I have earned and how that compares to my work time. This makes me more aware of the value of things, and I spend less on unnecessary items." "I know I can get extra money if needed, so I do not worry about stretching my monthly wage. This causes less stress and less panic buying." "By being able to see my pay and having the option to save some of it without touching my bank account, I have become much better at saving and budgeting." If you are not sure if flexible pay will fit how you want to manage your money, you can set your own plan for it or just not use it at all! It is just one of many features we offer to help you be financially strong.