Summarized in one place, here are the rules for inserting pauses between Lojban words:
Any two words may have a pause between them; it is always illegal to pause in the middle of a word, because that breaks up the word into two words.
Every word ending in a consonant must be surrounded by pauses. Necessarily, all such words are cmevla.
Every word beginning with a vowel must be preceded by a pause. Such words are either cmavo, fu'ivla, or cmevla; all gismu and lujvo begin with consonants.
If the last syllable of a word bears the stress, and a brivla follows, the two must be separated by a pause, to prevent confusion with the primary stress of the brivla. In this case, the first word must be either a cmavo or a cmevla with unusual stress (which already ends with a pause, of course).
A cmavo of the form “Cy” must be followed by a pause unless another “Cy”-form cmavo follows.
When non-Lojban text is embedded in Lojban, it must be preceded and followed by pauses. (How to embed non-Lojban text is explained in Section 19.10.)