Theories about "hookup culture" are just another way of telling us what to do with our lady parts

Which is more offensive - being called a "slut", or being slotted into a sweeping cultural theory?

Good news, guys: "hookup culture" - or, as anyone else without a Gender Studies textbook might call it, "sleeping with people every now and then" - has been dominating the cybersphere. So novel and fascinating is this subject that articles have popped up in their droves in the last few weeks, and here we are jumping on the lubed-up bandwagon. Partly, this is because we never quite tire, as a society, of patting ourselves on the back for those "crazy college years" when the permanently stationed condom in your wallet waited faithfully for the day when a party got just out of control enough to make you do something spontaneous and kooky. And partly, it’s because of a book on its way to your local Waterstones’ any day now, rather sensationally entitled The End of Men.

"Feminist progress right now largely depends on the existence of the hookup culture", wrote Hannah Roisin, in an excerpt from the book in The Atlantic, which comes out later this month. The "hookup culture" to which she refers is the prevalence of no-strings-attached sex on American college campuses, which, she argues, represents an engine of female progress. It’s quite a claim. Who knew that a cheeky blow behind the bins after an evening of dancefloor dry-humping at Tiger Tiger could hold so many sociological connotations? Yep, next time you’re peeling last night’s knickers off some paralegal’s laminate flooring as he farts loudly beneath the duvet, try and remember that you did it for the ladies.

Hannah Roisin is, of course, not the only person to try and reinvent the wheel. Journalists have been claiming that casual sex is a "new thing" since the "sexual revolution" of the 1960s. Despite the fact that Erica Jong coined the term "zipless fuck" way back in 1973, and the more mundane physical fact that there are only so many ways to insert a penis into any given orifice, the media insists on finding every generation more depraved than the next. It’s made for a popular opinion piece since the dawn of time (or at least the dawn of The Times), and it goes a little something like this: journalist declares the generation in question liberated or doomed, and extrapolates wildly on chosen position. Either today’s young people are morally corrosive hedonists on a path to seventeen different strains of Chlamydia/ the apocalypse, or, by having sex with each other all the time with little care for commitment, we represent the absolute zenith of sexual progress*.

Roisin opts for the latter position, and by doing so represents the minority viewpoint. The problem is that ultimately, like many on the opposing side, she forgets that sex is just sex: an activity that the human race has been engaging in since its inception, and that has, despite the best efforts of certain women’s magazines, remained pretty much the same mechanics-wise. Sex itself has changed very little over the years: it is society’s attitudes and value systems which have changed, and we’re sure we’re not the only ones who feel somewhat patronised each time some jumped-up theory is projected onto us and our bedroom antics. People are not cut from the same cloth, and while many may enjoy a casual shag, others will feel that a long term relationship is more their thing (that goes for both men and women, by the way.) Boiling down the central tenets of feminism to a one night stand feels just a teensy bit reductive.

Casual sex as a "delaying tactic" for women who refuse to allow inconveniences such as "love" to get in the way of their single-minded career ambitions is a great theory of Roisin’s in capitalist America. It’s unfortunate for her that in real life terms, it’s all crap. In many ways, it also teeters on the edge of being a plotline for a dystopian novel: women enter the market, become the most ruthless competitors of all, brazenly renounce true love, and single-handedly do away with decency forever. Meanwhile, men get off scot-free with a shrug and a ‘boys will be boys’. How did they manage that, when all we’re hearing right now is either "girls getting out their fannies will carry us to a more enlightened society" or "girls will be the engines of everyone’s destruction"?

We’re all different, and so are our sex lives. To quote HBO’s Girls: “I AM NOT ‘the ladies’”. Some of us want to save ourselves for Mr Right, and some of us are ecstatic to find Mr Right Now outside a club in Clapham every Friday night. Hell, some of us like to dress up in animal-shaped onesies and act out bestiality fantasies at furry parties. Not that this will prevent newspapers regurgitating Roisin’s wild theories until the book comes out (the Sunday Times got there already) and crowing about how men are like, so over, and women are now perfectly in control of their own vaginas, while ignoring the fact that shaming sexually adventurous women remains a national sport. Thank you feminism, and goodnight.

All this begs the question: which is more offensive? Is scrutinising a woman’s sex life and coming up with the enlightened conclusion that she’s a "slut" really that much worse than a load of social theorists crowding around the proverbial bed and deciding that her aforementioned sex life symbolises a dramatic shift in the cultural zeitgeist? Both represent Other People telling "the ladies" what to do with their bits, or making wild aspersions about the power of some fairly unremarkable flaps of skin. We know we’ve said it before, but can the party that wasn't invited please GET OUT OF OUR VAGINAS.

*For something a bit more nuanced, do read Ariel Levy’s Female Chauvinist Pigs (£), which looks at the impact of pornography and raunch culture on today’s young women, and is written by someone who is intellectually capable of holding two conflicting thoughts in her head at the same time.

Women having fun on a night out in Newcastle. Photograph: Getty Images

Rhiannon Lucy Cosslett and Holly Baxter are co-founders and editors of online magazine, The Vagenda.

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Stability is essential to solve the pension problem

The new chancellor must ensure we have a period of stability for pension policymaking in order for everyone to acclimatise to a new era of personal responsibility in retirement, says 

There was a time when retirement seemed to take care of itself. It was normal to work, retire and then receive the state pension plus a company final salary pension, often a fairly generous figure, which also paid out to a spouse or partner on death.

That normality simply doesn’t exist for most people in 2016. There is much less certainty on what retirement looks like. The genesis of these experiences also starts much earlier. As final salary schemes fall out of favour, the UK is reaching a tipping point where savings in ‘defined contribution’ pension schemes become the most prevalent form of traditional retirement saving.

Saving for a ‘pension’ can mean a multitude of different things and the way your savings are organised can make a big difference to whether or not you are able to do what you planned in your later life – and also how your money is treated once you die.

George Osborne established a place for himself in the canon of personal savings policy through the introduction of ‘freedom and choice’ in pensions in 2015. This changed the rules dramatically, and gave pension income a level of public interest it had never seen before. Effectively the policymakers changed the rules, left the ring and took the ropes with them as we entered a new era of personal responsibility in retirement.

But what difference has that made? Have people changed their plans as a result, and what does 'normal' for retirement income look like now?

Old Mutual Wealth has just released. with YouGov, its third detailed survey of how people in the UK are planning their income needs in retirement. What is becoming clear is that 'normal' looks nothing like it did before. People have adjusted and are operating according to a new normal.

In the new normal, people are reliant on multiple sources of income in retirement, including actively using their home, as more people anticipate downsizing to provide some income. 24 per cent of future retirees have said they would consider releasing value from their home in one way or another.

In the new normal, working beyond your state pension age is no longer seen as drudgery. With increasing longevity, the appeal of keeping busy with work has grown. Almost one-third of future retirees are expecting work to provide some of their income in retirement, with just under half suggesting one of the reasons for doing so would be to maintain social interaction.

The new normal means less binary decision-making. Each choice an individual makes along the way becomes critical, and the answers themselves are less obvious. How do you best invest your savings? Where is the best place for a rainy day fund? How do you want to take income in the future and what happens to your assets when you die?

 An abundance of choices to provide answers to the above questions is good, but too much choice can paralyse decision-making. The new normal requires a plan earlier in life.

All the while, policymakers have continued to give people plenty of things to think about. In the past 12 months alone, the previous chancellor deliberated over whether – and how – to cut pension tax relief for higher earners. The ‘pensions-ISA’ system was mooted as the culmination of a project to hand savers complete control over their retirement savings, while also providing a welcome boost to Treasury coffers in the short term.

During her time as pensions minister, Baroness Altmann voiced her support for the current system of taxing pension income, rather than contributions, indicating a split between the DWP and HM Treasury on the matter. Baroness Altmann’s replacement at the DWP is Richard Harrington. It remains to be seen how much influence he will have and on what side of the camp he sits regarding taxing pensions.

Meanwhile, Philip Hammond has entered the Treasury while our new Prime Minister calls for greater unity. Following a tumultuous time for pensions, a change in tone towards greater unity and cross-department collaboration would be very welcome.

In order for everyone to acclimatise properly to the new normal, the new chancellor should commit to a return to a longer-term, strategic approach to pensions policymaking, enabling all parties, from regulators and providers to customers, to make decisions with confidence that the landscape will not continue to shift as fundamentally as it has in recent times.

Steven Levin is CEO of investment platforms at Old Mutual Wealth.

To view all of Old Mutual Wealth’s retirement reports, visit: products-and-investments/ pensions/pensions2015/