A few days ago, I got a message from a reader. They wrote:
Hi…thanks for taking the time to help others have the advantage of your experience to answer our own questions. I’m non-binary…I had top surgery 3 years ago, but I’m interested in remaining in the middle. I’m interested in a more masculine body structure (less curvy, more masculine fat distribution, stronger jaw line), but wanting to keep my feminine traits like smoothness of skin/not markedly increasing facial hair and not wanting to make the changes to my disposition that it seems can happen with a standard dose of testosterone. I’m interested in being able to build muscle (just definition) for both look and to be strong and healthy. I’ve hit 50, so not so easy with menopause underway. I’m also interested in how this could support my libido.
I’m thinking that microdosing may be a good way for me to do this, but interested in your thoughts. Also, to whom does one go to get this? I’m going to be living in NY/NJ area and it would be great if you could provide any medical professionals in that area. I’m finding that some MDs don’t know much about this and aren’t incredibly willing to discuss. Does one have to have a prescription for this? I’m assuming so. In any case, any info you could provide or point me to would be greatly appreciated.
We messaged back and forth a few times and decided this could be the good basis for a post. Here’s an attempt to answer their questions, and elaborate on some thoughts they put out there:
Thanks for reaching out! I started microdosing T so long ago that that word was not yet in use – at least not in this context, haha! We called it “going on a low-dose of T,” which is clunkier, and it’s cool there’s a more straightforward verb now, even if it brings to mind people taking small amounts of acid for therapeutic purposes, more than anything else at this point. I’m sure that’ll change over time.
I too, had (have) a list of things I do and do not want from testosterone. Most of those things have worked out for me, even in the long term, which is mostly based in genetics, but I still feel like I lucked out. (It can feel like a crap-shoot, especially when you want some, but not all, of the effects that testosterone may cause.) I haven’t sprouted that beard that I never wanted. I gained a more masculine body structure. I still have smooth skin. It’s helped my libido. Also my voice is lower, my disposition shifted for the better, it was a real game changer in many ways. It helped me grow into myself, for sure.
Testosterone is a controlled substance, which definitely means you need a prescription for it. My journey to actually getting the stuff was bumpy. Initially I went through a primary care physician who I found to be smarmy. I put up with him so I could keep getting my prescription until I decided I could do better. My next physician was hesitant and I really had to advocate for myself super hard. She conceded for a while but ultimately referred me to an endocrinologist. The endo wasn’t great either. I hoarded it as much as I could so that I was not beholden to medical professionals, and so I had the freedom to start and stop when I wanted to, as opposed to when I could get access. I still do this. It’s not recommended, but anyone who knows me probably wouldn’t be surprised.
Things have improved vastly in some regions of the US, but of course not everywhere. Many Planned Parenthoods now offer gender affirming care and hormone replacement therapy on an informed consent model. Generally it’s a matter of weeks, not months, to get in and get your prescription. I just did a cursory search, and, by region, here are just some of the places where this is possible: Southwest Florida, Southeast Pennsylvania, Washington and Northwest Idaho, Northwestern Hawaiian Islands, all throughout Illinois, Western NY, Massachusetts, NYC, Reno Nevada, one tiny town in Arkansas. Some of these places are not surprising. Others are. What makes a specific Planned Parenthood offer HRT or not?!! One day, eventually, I think they all will.
If anyone has any specific information about providers or options in the NY / NJ area, please leave a comment. Hope this helps, and good luck!
I like to keep tabs on when I go on and off testosterone, and I’m pretty far behind this time around. About a month ago, I went back to my stash of Androgel 1.62%. I had stockpiled it years ago, and at this point, I had 2 bottles left, which had expired 2 years ago. I figured I might as well use them up (they still seem effective, just not sure if it’s less effective than they once were) rather than throw them out. I’m doing 2 pumps per day; at that rate, each bottle lasts one month. So when I run out at the end of January, I’ll probably just switch over to injections – I also have testosterone cypionate 200 mg/ml stockpiled. Probably enough to last me 6 months.
I’m doing this without going to an endocrinologist, physician, or through Planned Parenthood or some other type of clinic. I just don’t think that I need to. I think that I will be on testosterone short term, again, and by the time I’m back off it, seeing a medical professional would have barely been worth it. I kind of think I might cycle on T for 6 months / off T 6 months, back on, back off, for a while. And I’ll have to go back at some point to get more, so I can be monitored again at that point.
It seems to be a larger trend that as time goes on, the decisions are more in the patient’s hands anyway, and access is much improved. More and more Planned Parenthoods are offering HRT, for example, through an informed consent model, and you can get started the same day that you made your appointment. This is amazing! No more blood work, no lying about your gender identity to make sure you’re going to get your prescription, no waiting for months for the initial appointment and then weeks after that appointment for the prescription. Next time I need some, I’m just going to do this.
While I was off of testosterone, some stuff changed. The best thing that happened was that I gained a lot of nerve sensation back, in my chest. I am beyond thrilled by this! I assumed that at the point I was at (3 years since top surgery), healing had plateaued, and that was all I was gonna get. After a few months off T though, things started changing pretty drastically. Areas that were numb started to get back more feeling. Areas that were painful if I touched too roughly were no longer painful. I would even go as far as to say that erotic sensation has started to return, slightly. Things still aren’t the way they were, but it’s a huge improvement, especially since I had given up!
Oh also! My receding hairline had been worrisome – it was a big factor in my decision to go off T last spring. I imagined it would just halt the hair loss, but in fact, hairs started growing back in the area I assumed was now “bald”!! I’m talking about my temples – little hairs grew back in! I didn’t even know that could happen. Super psyched by that!
Even though these are huge pluses, things had gotten off balance again, and by going back on T, I feel more balanced (until I’m not, again… I know it’ll happen.) The weather was getting colder, and I just felt too cold. The joints in my hands and arms ached. Now that I’m a month in, pain, gone! The biggest reason for the shift, though, is just much more nebulous. Somehow I was being pegged as female by strangers again. I have no idea why: it’s not like my voice or face shape changed back! It must be an aura or a smell or like, pheromones or something. Or maybe a way of carrying myself? Whatever it was, it wasn’t sitting right. And I’m feeling good with that decision.
Will check back in when I’m not good with it, again. Probably within a few months, if the past is any indication of the future…
My spouse and I just attended the 27th annual LGBTQ+ film festival in our town, and we saw some pretty great films. Overall, we both preferred the documentaries over the fictional narratives, but we did like all the ones we ended up picking out. I’ve had a varied relationship with this festival over the years – when I was younger, I wasn’t sure I belonged, and it was just so thrilling to even be there at all. I volunteered one year, and formed some lasting relationships through doing that. Then I kind of shunned it for a few years, deciding I didn’t have time for it, and the ticket prices were too pricey. In the past 4 years, I changed my tune and realized we are lucky to have this festival in our hometown, and we should make the most of it. We pick out a handful of films each year now, and pre-pay (to get a slight discount). I’d have to say that at this point, the novelty of being there as a super-fan has started to wear off, but I do still look forward to it each year, regardless… here are the films we saw this time around (links are to film websites, trailers, or reviews):
Zen in the Ice Rift – This was a narrative drama from Italy about a transmasculine teenager who is really just at the beginning of their journey into who they really are. They’re on the boy’s hockey team (only because their town is so small and that’s the only option), are getting bullied, and are acting out a lot in response. It was pretty hard to watch, but definitely well done – themes of victimization and violence, definitely a trope at this point.
The Ground Beneath My Feet – This one was from Austria, about a workaholic woman who’s sister has suffered yet another psychotic break and is hospitalized. The woman starts to question her own sanity while trying to juggle all aspects of her super stressful life (a lesbian affair with her superior being only one small tendril of her falling-apart-life). Really well done, edgy, gloomy thriller-drama.
Label Me – From Germany, this one was about a refugee from Syria who begins an ongoing money-for-sex relationship with a man who seems very well off and very isolated at the same time. It gets interesting when the two men navigate that line between intimacy, sex, money, and everything else that falls in between.
Leave it to Levi – This was a documentary about a porn star who works exclusively with Cocky Boys. It was just totally fun, but there was depth too, when the film explored his relationship with his mother and his forays into dressing in drag and going totally against the norm of the Macho Porn Star.
Gay Chorus Deep South – This documentary was full of heart. The San Francisco Gay Men’s Choir toured 7 southern states in order to raise awareness of anti-LGBTQ+ laws that have been popping up in the wake of the 2016 election. Along the way, we see some amazing personal stories of some of the chorus members, specifically from people who were born in the south and made it to the (relatively) safe haven of SF.
Changing the Game – By far, this one was our favorite. So many strong emotions going on. Between this one and Gay Chorus, I did a lot of crying! This followed the trajectory of 4 transgender teens from 3 different states (which all have different laws about transgender people competing in sports) and how they navigated what they had to do to keep pursuing the sports they love. They all came up against so much hate, but also so much love and support, specifically from coaches and parents / guardians.
So I’ve been blogging for a while now, and I haven’t said a whole lot about my spouse, basically out of respect for their privacy. But they actually have a lot to say! Here’s just a little bit of what goes on behind the scenes:
Over the last 6 years that Kameron has been recording his gender transition journey, I have always appeared in his writing as the supportive spouse. That’s a role I have been happy to fill. Happy to be part of a couple t hat goes against the standard narrative of couples perceived as “same-sex” who split when one comes out as transmasculine/trans male. I never felt that Kameron’s transition challenged my sexual orientation—I am that rare non-binary unicorn who discovers their identity all at once, albeit belatedly. I never thought I was a lesbian, if anything other people read me as asexual. As I came into my own queer sexuality and genderqueer identity, I was falling for a pansexual gender non-conforming guy (I have no idea how he would define himself, this is how I experienced him). I embraced the po-mo complexity of my attraction to his particular queer blend of femininity and masculinity.
For me, being genderqueer gave me permission to play with my gender presentation. I had fun thrifting to build a wardrobe that reflected the spectrum of my gender expression—t-shirts from the boys section, day-glo green femme sweaters, bright blue doc marten boots, mini-skirts, baggy pants and flannel shirts. I felt more confident taking up space, and attracting the attention of other gender non-conforming queer people. But once I found myself romantically involved with someone (before Kameron), my partner assumed that I was “the more feminine one.” I felt pressured to present more femininely to heighten their tenuous, new expression of masculinity.
Now when I look back at the past 13 years of my life, I question whether I presented femininely because I internalized that pressure and carried it forward into my relationship with Kameron. Was this shift an unconscious assimilation to ease moving through the world? Or did I truly want to grow my hair out, wear skirts/dresses, and feel included in feminist spaces?! What a mindfuck! Being genderfluid makes life hella complicated. I have identified as a genderqueer femme, but that feels too limiting now. My gender expression has shifted again in the last 3 years toward a more masculine presentation. I feel more comfortable with how others see me now but I am sure that I am still perceived as a queer woman. The pendulum has simply swayed from femme to butch.
While Kameron’s transition didn’t threaten my sexual orientation, I did find myself at times feeling like I was getting left behind. I started to have strange pangs of jealousy—I had a much larger chest and have felt dysphoric about it since it first developed, but I wasn’t the one getting top surgery. I was the one sitting in a waiting room and I was the one keeping track of how much blood was accumulating in his drains, taking time off to help him with early recovery. Where were these ugly resentments coming from? I was so dissociated from my feelings and my body that it took years of watching Kameron’s transition unfold for me to start exploring my gender identity more.
It’s funny that we didn’t talk much about our gender identities with each other, I cocooned myself a bit and started parsing out what felt good and what didn’t. “She” was icky, so I asked Kameron, some close friends & family members, and co-workers to start using “they/them/theirs” for me. Ah, a sigh of relief. Then more discomfort would surface, I couldn’t wear bras anymore, not even sports bras. I threw them all away and got advice from Kameron
on various binder options. Another sigh of relief. Then a sudden surge of agitation when a friend starting dating someone with my given name. I had already been obsessively browsing Celtic baby name websites but now I felt an urgency to rename myself. Overall, I feel more comfortable with my gender now, but it still doesn’t feel like enough. I have started low-dose testosterone (shout out to Planned Parenthood for using an informed consent model) and am scheduling a top surgery consult soon. I am hoping that these steps will help alleviate my dysphoria, as it feels ever present now that I have stopped compartmentalizing it. These flooding feelings has been difficult to manage, and I’m currently battling a flare up of past restrictive eating habits.
For the longest time I couldn’t bear the attention of physically and socially transitioning. And I didn’t feel trans enough. I questioned why I had to do the emotional labor of explicitly coming out to be seen as non-binary. This has been an ongoing test of my tolerance for vulnerability. I need to be my authentic self for me, but the acknowledgement of others is overwhelming. I am a private person, I don’t have a blog, I keep a written journal. I guard my inner world with ferociousness and have a hard time trusting others. So far most people have been supportive and reached out to let me know so, but others have quietly noted signifiers (like changing my name on social media accounts) without comment. While the attention is exhausting (mostly due to my anxiety in these interactions), the silence of others is more painful. These silences have spurred me to have more in-depth conversations with those who do reach out, to push shame away and invite friends in.
**Potential spoiler alerts for Orange is the New Black, season 7**
My spouse and I were watching Season 7, Episode 8 a couple of weeks ago, and a familiar face suddenly popped up! In Piper’s story line, her sister-in-law gets the two of them to go on a transformative wilderness retreat. The leader of the retreat, Rio, is someone I used to perform drag with!!! When I saw her, on TV, I wanted to shout, That’s Windz! But since I’m historically bad at face recognition, I waited until the credits, to confirm that the actor, Linday Coryne, was for sure the person I’m remembering.
In the scene, she is teaching Piper and a group of ladies, how to hunt with a bow and arrow. She has a handful of lines, one of which is, ““Recognize the bow as both arbiter of death and provider of life; recognize the multitude that exists within each of you; be proud of it.” She’s like, part hunter, part spirit guide.
We didn’t have a whole lot of overlap, in real life. By the time I started performing in 2006, she was moving to Baltimore (if I’m remembering correctly). But she’d come back home to visit periodically and perform with the “Muthers Boyz.” I was also there, some of those nights, performing and/or watching.
Windz was the star. Within the context of this dark and dingy gay dive bar, he seemed more like a megastar. The crowd ate it up, everything he did. I definitely felt some envy toward him, at times; I looked up to him. On the other hand though, our approaches, attitudes, and motivations seemed so far from each other that it wasn’t much use to try to compare myself to him. He was doing his thing, which was very different from my thing.
The following are just my impressions and things I remember (which might be fuzzy). We didn’t actually know each other or have many conversations…
Sometimes, he put a lot of work into his costumes, especially when he was emulating Michael Jackson, which was one of the things he was most known for. His impression was spot on. Other times though, it seemed like he went on stage in just what he might have been wearing that day anyway, business casual or whatever, with no drag make-up, facial hair, or flourishes. His repertoire of songs was small. I definitely saw plenty of repeats within the few times I did see his performances. But what he did, he had it down, and he always looked like he was having a blast up there. Really drew in individuals from the audiences, creating special moments.
I, on the other hand, struggled to connect with audience members. I didn’t particularly want to; sometimes I wished I could be doing my performances in a vacuum instead. Being at a bar, at that time, was uncomfortable for me, but I was driven by the gender-play; the opportunities to try out being someone else. And for me, it was a one and done kind of thing. Once I did a song, I never did it again. (There are a handful of exceptions to this.) Like, it was onto the next thing. I was going to learn another song, try a different vibe, try new costume elements, get the essence of the original performer or time period or mood of the song or whatever. A lot of times, for me, it was silly or it was out there, robotic or other-worldly or very much effeminate or even aggro/punk. I wanted to get the whole range of gender expressions, try it all, experiment. I also used drag to work through a lot of feelings at the time. But that’s a story for another post…
I remember one time, the two of us were backstage together, and Windz said, “Maybe you should do some Duran Duran. People would be into that.” I thought to myself, “OK, at least my ’80’s vibe is shining through, but I’ve already done Duran Duran!” Haha. In Windz’s world, maybe it was more like, you collect a handful of “signature songs,” and you cycle through them. Like a radio station. For me, it was more like I was a kid in a record store, pulling out vinyl and looking for the next thrill.
I am, essentially, a kid in a record store, pulling out vinyl and looking for the next thrill. I literally do this a lot.
These photos are not the best, but they’re all I got. This was from a time before digital photography. Do you remember,way back when, taking a photo and not being able to instantly see if it turned out well or not? And then you really have only 24 chances (or 36 if you splurged for a 36 shot roll of film), and then you’re gonna pay around $7 for those 24 pictures, and after you pay, then you finally get to see whether it’s a good shot or not??? OK, so I’m fibbing a little bit. Digital photography was a thing (this was probably 2007.) It’s just that I didn’t yet have a digital camera. I brought my Pentax film camera with flash, down to the bar to try to capture some of the performances.
Windz was very aspirational. And it paid off! Holy shit – she (the person, not the drag king) is an actor on TV and stuff!!! I was super floored to recognize her on TV! I hope to see her in lots more stuff; I want to see more gender-nonconforming people in more roles in the media, like, all the time!
It’s that time of year again! Yep, I know I’m way behind schedule with the pride festivities: I mention this every year, but yea, this really is when my mid-sized city celebrates pride, far behind the rest!
I ended up having a blast. Generally, during the days and weeks leading up to pride, I tend to think, dang, not again! What am I gonna wear? What am I gonna do? Maybe it’d be better all around if we were on vacation, and absent all together. So, yea, there’s some angst there. But as soon as I get into it, I’m IN IT!!
As far as the parade, we did something new and different – we marched with a group called “Positive Force,” which is a queer gym Caitlin (my spouse) has been training at. We didn’t know who would be there or what the group would be doing exactly, so we planned our outfits independently, on our own. I decided to go shirtless!
OK, so this is kinda a big deal. At the time I got top surgery, 3 years ago, I was known to say, “I’d never go shirtless in public though.” I’m sure if I looked through my archives, I could find multiple times where I wrote, specifically, that. BUT! Since then, I’ve changed my mind and gone shirtless a handful of times. Not right away. It took over a year; the first couple of times were when I was abroad,, visiting my brother in Turkey. I did it first in the Black Sea while my brother was preoccupied with getting a locksmith to help us with the waterlogged electronic key to the rental car, deciding that I was so far from home and the people I know so well and it’s exciting, and here I go! I did it again, on that trip, when my brother brought us to a Turkish bath, segregated by genders. I was nervous, but it all turned out fine.
I did it again a year later, at a state park all by myself with no one in sight. But also at another state park filled with people, and it was pretty thrilling. And then again this summer, at a hotel pool in Massachusetts.
Which is all to say that deciding to go without a shirt (although I did have suspenders on, to somewhat cover my nipples, because I’m not quite comfortable with them and still plan to get revisions eventually), seemed like a challenge I wanted to try. When we got down there, I was pleased to see 3 trans-masculine acquaintances already ready to go without shirts on. And a bunch of other acquaintances too; it seems like we picked the right group! It was us plus a yoga studio, and we handed out flyers and candy and chanted, on-and-off, “All bodies, hott bodies.”
Saw a bunch of people that we knew, including my mom and her best childhood friend. Another friend was camped out at the protesters’ corner, holding a sign that said, “My boyfriend is cute when he’s grumpy,” with an arrow pointing right at a protester. We got a good laugh out of that.
Then we just relaxed for the rest of the day. Watched Tales of the City (the new one, and now we’re making our way through the old one.)
The next day, Caitlin and I co-hosted an LGBTQIA+ themed electronic music show. That was a lot of fun. And then I stayed for another hour for the next radio show, in which the host and I read the piece I have published in an anthology, plus just goofed around.
Two days ago, I abruptly hit a wall in my transition journey. But it’s more like that wall had a secret corridor that I’m now turning down, without really slowing down – just taking a moment to look back, and all around me, and then moving on in this other direction. The decision to stop T for the time being doesn’t actually mean that I’m losing forward momentum. I was expecting it all along. At some point. At the same time, it wasn’t premeditated or planned I just realized, now is the time, all of a sudden, and then I mentioned it to my spouse, and that was that.
The number one reason to stop, for now, is ongoing concerns of losing my head hair. And the number two reason is that uncomfortable sensation of feeling overheated, which is much less welcomed as warm weather approaches.
I’ve been here before. That was, specifically, January of 2016. I feel so grateful to my past self for so diligently recording where I was at, every step of the way, so that I can get super specific about where I was vs. where I am! It feels like a coherent narrative, of sorts. In the fall of 2015, I had been on Androgel for roughly a year and a half, and I had lost sight of why I was doing it and what, exactly, was it doing for me. I switched doses, I went off-and-on, and then in January of 2016, I just went off all together. I ended up being off T for one full year. And then I tried out injections, which I’ve been on now for over 2 years.
And now, again, I’ve lost sight. I’ve been worried, daily, lately, about my receding hairline, and I can’t make sense of all the numerous products on the market to help that. Rogaine, Finasteride, DHT suppressants, etc. Instead of figuring out what might help, it just makes more sense for me to go off T, until I feel differently, which I know I will, again, at some point, in the not-so-distant future.
I do not look forward to getting my period again. That is going to be horrible.
Other than that though, I don’t foresee any major issues. Mental health-wise, I feel super stable and good. I don’t expect that to change much. Oh, also, I’ll be pretty happy about not seeing more and more facial hairs popping up. Not a fan of my own facial hair! I’ll be glad if that stabilizes for a while and I don’t have to think much about it.
I predict (and my predictions have been pretty far off, historically!) that I’l be back on T by November or December. We’ll see! Oh, also I guess I’ll have to tell my endocrinologist. Do I have to go to my upcoming appointment if I’m not taking hormones?! (Answer: No.)
Hey, I have an essay in this anthology, Nonbinary: Memoirs of Gender and Identity, which is finally being released by Columbia University Press, officially on April 9th, but you can go ahead and order your copies now! This has been roughly 5 years in the making, and through that time, I went through lots of different edits and re-writes with Micah Rajunov (genderqueer.me), one of the two editors. Both he and Scott Duane did tons of behind-the-scenes work to make this happen. I just sat around, for the most part, and waited to see what was going to become of it!
The time-frame was so long that I pretty much forgot what I wrote. And I was a little apprehensive to revisit it. When I first heard news of the release date, I had a mixture of emotions: excitement and pride, to be sure. But also a little bit of hesitation, like, would I still identify with whatever the hell I had written?! Would I be cool with everyone, friends and family, reading it? I decided not to overthink it; when I got my copy in the mail, I posted this pic to my social media, and just let what was gonna happen, happen. However, I still hadn’t read it! I was stalling. My spouse went ahead for me, and reported back, which helped me get used to the idea. When I first tried, I couldn’t read it linearly – I just skipped around and tried to get the gist, get a sense before finding out all the details. Then I went back and started with the anthology from the first contributor, and when I got to mine, I finally did read it all the way through. Phew. I’m almost done with the whole book now. Lots of really amazing, diverse stories.
People started ordering their own copies. My grandpa and my aunt have already read it and connected with me about it! I ordered a dozen to give to friends, my therapist, my local Out Alliance’s library, etc. It’s starting to feel real, and the excitement is growing, now that I can kinda wrap my head around it.
It’s been long-known and proven over and over that, in general, people who identify as LGBTQ are worse off, financially. Discrimination at work and within housing, along with being kicked out, disowned, or cut off from family ties, are big factors as to why this might be. Mental health also plays a huge role. There have been times when I was so deep into depression that I was not able to function at my job (or, in the past, at school). Fortunately for me, I was able to take multiple medical leaves, when I needed them, with full pay and full job security. That’s not always the story, though…
I was contacted a couple of months ago by Linda Manatt, who works for OverdraftApps.com, a company “created to increase awareness of the annual $35 billion overdraft problem in the U.S., which primarily affects the most vulnerable populations of our society. By creating content and developing tools to inform the public, [they] hope to make a positive change and shape tomorrow’s consumer finance policies for the better.”
In July of 2018, they commissioned a research organization to conduct a survey about financial attitudes and realities. 1,009 people from 46 states, aged 18- 71 participated, and 11% of them identified as LGBTQ. A couple of other factors were isolated, including renters vs. owners and income levels, but not age, race, education level, or any other demographic.
Some of the big take-aways, as it applies to the LGBTQ community were:
- While only 14% of people surveyed make less than $25,000 per year, 25% of LGBTQ people fall in this bracket.
- 51% of the general respondents reported feeling “that the system is trying to take advantage of them when it comes to financial products.” When isolating for LGBTQ people, that percentage jumped to 61%.
- LGBTQ people are 50% more likely to overdraft between three and nine times in the past year compared to the general population (18% compared to 12% of the general population.)
It is surprising how many people overall have over-drafted at least once within the past year (46%), how few people were even aware that they can opt out of over-drafting all together (39%), and how frequently over-drafting happens without their knowledge (42%). No wonder people feel taken advantage of, purposefully! As I was reading through the data, the overarching human emotion running throughout is the avoidance of embarrassment. And sure enough, there’s a quote within the article to suggest this:
Paul Golden, from Nefe [National Endowment for Financial Education], provides an … interpretation on the reasons people don’t opt out more often of overdraft protection. In his opinion, “bankers [don’t] say that overdraft protection is mandatory” but they do sell it as an insurance to one’s reputation. In his experience, this is how they are sold to consumers: “You go out to dinner with your friends or work colleagues and the bill comes up. You don’t have enough to cover it – can you imagine the embarrassment you would suffer if your card was declined?” People react: “Oh yeah, I should have overdraft protection.”
It’s like, pay $35 later for the convenience now of not having to put groceries back, in front of other people, when there is not enough in the checking account. I’d even take this a step further and go so far as to say that people who are more likely to be singled out, to be devalued, humiliated, harassed, abused, and assaulted, are exponentially more compelled to do certain things to get out of embarrassing situations, including (but not limited to, by a long shot!) financial embarrassment.
I’d be curious what types of trends would emerge if the data had been isolated even further, to account for transgender and gender-nonconforming identities, within the LGBTQ community. I can tell you right now that the picture would become much more bleak, very quickly. I’d love to hear your own stories if you’d like to share, in the comments section!
If you’d like to see the full study, it is here:
Overdrafting in the United States: Distrust and Confusion in the American Financial System
And thanks to Linda Manatt for prompting me to get out of my comfort zone and attempt to cover such a big issue, in my own, semi-personalized, way…
This past Saturday was my two year mark on T-injections, 40ml / week (this was just recently lowered, from 60 – my initial dose was 50). I still very much look forward to every injection (not the act itself, but the being-on-T part), and I still regularly think about the ways hormones have improved my life; I don’t tend to take it for granted.
My original plan was for this to be a short-term thing. But I kind of love it. I think my dose will vary over time, but I don’t anticipate stopping really, probably ever. (Of course that’s subject to change!) Not having a menstrual cycle is huge. Being seen as male 100% of the time is… well, there’s some ambivalence there, but it’s definitely an improvement. Now instead of getting confused for female, I am regularly getting confused for being very young. Which can be awkward but mostly is fine.
I’m able to engage socially in ways I really never could have dreamed of. I look people in the eyes way more. My anxiety is almost zero, where previously, I was operating regularly with an underlying sense of fear and dread. Some of these mental health changes can be attributed to finding a medication that actually works well for me, but a lot of it is the disappearance of gender dysphoria.
I’m still legally female, which is on purpose, and I still almost always go into women’s bathrooms and dressing rooms. I’ve never been stopped or questioned.
I don’t love all of it. I still daily pluck hairs out of my face because I don’t like them and I don’t want to shave. I’m pretty concerned about my receding hairline. And if I were really being honest, I liked the way my face looked before being on injections, more-so than now. It just so happens that the way it is now reads as “male,” and that works out way better for me. Oh well…
So here are the face comparisons: