Identity crossroads

Taking a complex 'intersectional' approach to identity allows us to tackle oppression more effective

Intersectional is a fancy word that feminist theorists (spurred by Kimberle Crenshaw and Patricia Hill Collins) use to advocate for a complex approach to thinking about oppression. They argue that various facets of identity and society must be analyzed together rather than thought of as autonomous phenomena.

Think of it as a bunch of roads—race, class, gender, sexual orientation, religious affiliation, disability status, age — all crossing one another. The nexus of that great big intersection is your identity, and the unique privileges and oppressions you might experience on a daily basis.
For example, I am a Scottish-Irish-Norwegian-American, able-bodied, young woman originally from an upper-middle class nuclear family in Colorado Springs, Colorado, currently living as a middle class artist in a low-income neighbourhood in Brooklyn and in a heterosexual relationship.

Now before you get all paralysed and convinced that intersectional analysis advocates a politically correct fractioning of real human beings until they are just so many census boxes, let me assure you that this approach—while complex—is also rich with potential for some really profound analysis about modern life.

One of my favourite former students is a white, upper class young male who appears to be—for all intents and purposes—living a quintessential life of privilege. Half way through the semester, however, he revealed to me that he has Asperger’s Syndrome, a high-functioning form of autism.

If I were to just consider his experience of the world through the white, upper class young male lens, I might conclude that he knows little about the kind of oppression that one of my immigrant students of color experiences. But when I follow the road of his disability, I come to understand that he also has a combination of privilege and oppression to deal with—as do we all.

Rather than fracturing us, this approach links us all together. We stop making sweeping generalizations about complicated human experience and start understanding the ways in which we all interact with power (whether we are straining to have more of it, unconsciously using it, or consciously relinquishing it).

Peggy McIntosh made her mark in feminist theory by writing an article called Unpacking the Invisible Knapsack, which is basically a list of all of the unconscious privileges that Peggy realized she had when she started thinking intersectionally (in her case, not just about being a woman, but about being a white, heterosexual women).

Her list includes things like being able to find a band-aid that is the colour of her skin, being taken seriously in banks and stores, and never wondering if she is passed over for a job because of her race. I encourage all of my students to “unpack their knapsack,” and they are usually shocked and grateful to realize how many unconscious privileges they have (regardless of the unique composition of their intersectional identities.)

Once we begin to see the ways that power is at work intersectionally, we can make more informed decisions about how we want to use the power we have, personally, and how we can create a world where it is more evenly distributed and more compassionately wielded publicly.

Courtney E. Martin is a writer and teacher living in Brooklyn, NY, and the author of Perfect Girls, Starving Daughters: The Frightening New Normality of Hating Your Body (Piatkus Press). Read more about her work at
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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/