married

LGBTQIA

My Story Of Coming Out

MY story Of Coming Out

…doesn't really exist.

The closest thing to a coming out story I have to share is when I named my business Queer Chocolatier, which I’ll tell more of here in a moment.

Instead, I’ll share what it was like for me as a queer woman before being a queer businesswoman.

But, just before that, I want to stress that it is never incumbent upon anyone to have to come out, even on a day like today: National Coming Out Day.

The most important thing is your safety and if you would come into any immediate harm (i.e. physical violence, mental or emotional abuse, homelessness), weigh those risks carefully before deciding to come out. Maybe you decide to wait until those risks are minimized. Maybe you decide to live your most authentic life despite those risks and come out in spite of it all. Maybe, like many people, it is an ongoing process of sharing part of yourself to certain people in your life. Whatever the case may be, you’re no less queer and we need you in this world.

You’re in charge of your own story.

I never came out, or at least I don’t think i did?

From my experience growing up, I didn’t see a lot of examples of what relationships were like. My mom was a single parent who had me just a couple months before her twentieth birthday, her parents were divorced when I was three years old, and I am an only child so I didn’t have older siblings going out on dates. My uncle is married to a woman but they lived far away when I was a child. My aunt was not married but had friends with her when she would visit my grandpa's house and no one told me what that meant.

I didn’t know what it meant to be queer. Or straight. Or to have any attraction to people.

The only message I'd received was from my grandpa who said, upon my leaving the house to go out with friends, “Don’t get pregnant.” Mostly as a joke I’m sure, but also as a warning about what my future would be like if I were to become pregnant. I’d internalized the message, though, as “Don’t end up like your mother.” So, I never dated or kissed anyone throughout my entire teenaged years.

I do remember my first crush being on a boy in my class in high school. I remember simultaneously having my first celebrity crush on Shirley Manson of Garbage. I definitely had a bigger crush on her than the high school boy. I still crush on her, to be honest!

But, all throughout high school and middle school before that, I was teased pretty aggressively about how well I performed gender roles and fit into the screenplay of heteronormativity. In the hallway as I stood by my locker, kids would ask me whether I was a boy or a girl and snicker while inquiring. I suppose wearing baggy, threadworn clothing and having tangled, greasy hair made them more curious about my gender than my poverty and whether we had hot water at home to wash clothes or take a shower.

The living room of our trailer was also my bedroom from age 11-18.

The living room of our trailer was also my bedroom from age 11-18.

This teasing came from my mother as well, but perhaps not in an expected way; she really pushed me to be a “tomboy" and had said on rare occasion that “raising a boy is easier than raising a girl,” (which, in my own view now, is less a commentary on what gender is easier to raise as much as there are more restrictions and boundaries to place on girls as they grow up). When a music teacher in middle school asked me to try out for choir, my mother’s primary concern was that I would have to wear a skirt and that would be “too girly.”

It's moments like these that painfully come right to the surface whenever I meet people now who knew me when I was younger and they say with self-satisfaction “I knew you were gay! I knew before you knew!”

But I’m not gay.

The overwhelming majority of my relationships and “relationships” have been with women. But I have also been attracted to people who are not women. To that end, I call myself bisexual

But, more accurately, I’m not particularly attracted to anyone unless I have a meaningful connection with that person. I’ve recently learned that this is called demisexual. As having grown up with no one expressing romantic or physical interest in me, it feels like I somehow developed in such a way as to prioritize my connections with people before becoming intimate with people. Maybe out of insecurity or out of protection or both.

There have been exceptions to this rule, sure, but I never had a relationship in which the other person didn’t express interest in me first, whatever their gender.

I never came out, however this is defined, as bisexual until anyone shot their shot. Essentially, the only people who ever really knew my sexuality for the vast majority of my life were the people I was having sex with.

At various points throughout my working career, a coworker here and there would tell me they were gay or lesbian and I would be appreciative of their telling me their story, but since I wasn’t dating anyone whenever these conversations came up, I never reciprocated about me. Plus, I figured why make their story about me in that moment? Perhaps it could have built a better friendship, but it never felt right because responding with “Cool, I’m bi!” while not dating (even though that’s a smidgen of bierasure of myself at that time).

Leaving Indiana

My first serious relationship was when I was 30. Earlier here, I'd shared that I had no relationships in my teenaged years, but my 20s was largely void of relationships as well, except for my early 20s while in college. When I was a 30 y/o graduate student, I started dating a woman who self-identified as stone butch and occasionally discussed her gender identity and expression as “steampunk.” I didn't hide my relationship but I would only discuss it whenever it came up in the course of conversation. The relationship was not healthy, so my lack of broadcasting my relationship was less shame-driven due to my sexuality as it was that I was really unhappy and unsure of how to get out of my situation.

It took graduating, the lease of our shared apartment ending, and moving to Pennsylvania after three months of couchsurfing for me to not only get out of that relationship but to start to emerge a bit more boldly about who I am and start over with no baggage to bring along with me.

When I left PA a year later, I was moving to Austin, Texas and starting a new relationship with a woman. The friends I made in ATX knew I was queer, but my coworkers at the as-you-may-have-guessed fairly conservative Texas Department of Agriculture didn't know until things in my relationship got bad and I’d be crying in my office. They cared about me and my well-being more than whether or not I was queer. I reflect upon their kindness quite often and miss them and Texas quite a bit. Surprisingly to some, in all my life leading up to that point, Texas was the place I’d felt safest in being more open with people about who I am.

getting married + coming out as Queer Chocolatier

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When Cheri and I started dating in the fall of 2015 and got married soon after, this was not only the most open I had been about my sexuality but also the most actively political about it. Looking back on my trajectory, I can see that it took a combination of my own maturity and independence as well as a strong partner and a purpose for me to be able to live authentically.

Purpose came when the 2016 election yielded its results.

Cheri and I were traveling in the weeks before and after Election Day and we were in Austin on the way to the Davis Mountains in west Texas when we heard the news. The mood was bleak in Austin, and Cheri and I were glad to be heading to mountains and relative isolation to mentally and emotionally process. We understood that things were going to be tougher for queer people with the new administration.

Less than a year later, I launched Queer Chocolatier.

I was nervous about how I would be received in terms of both time (in the era of the current administration) and place (Muncie, Indiana).

Truly, this was as big of a coming out moment as I could imagine having. And I'm grateful for all the love and community I have found since coming out as a queer businesswoman! Being visible worked for me in this way and in this moment. Every moment that I step further out into the community to take up more space more visibly, the more that energy comes back to me and it builds upward and upward. From having a small table at farmers markets for people to come tell me their stories or to ask me questions on how to support those they love who are queer or trans to having a queer sober space at the Chocolate House where people would come on dates or young queer teens would bring their parents, the momentum just sweeps me up to do more and say more.

But in case it isn’t clear, let me say this:

My name is Morgan Roddy. I use she/her/hers pronouns. I'm queer and I sell chocolate. And I wish you a Happy and Proud National Coming Out Day, however you choose to celebrate it!

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LGBTQIA

Queer Finances: Should Queers Have Their Own Credit Union?

QUEER FINANCES: SHOULD QUEERS HAVE THEIR OWN CREDIT UNION?

Queer folk can face discrimination at banking institutions. Is it time for queers to have their own credit union?

Queer folk can face discrimination at banking institutions. Is it time for queers to have their own credit union?

If you subscribe to my monthly newsletter, you'll notice that I include a section that I adorably call "News Bites": a curated list of news and media pieces related to chocolate and/or the queer/trans* community. November's issue of the Cocoa Communiqué contained a piece from Forbes (though the original interview was a podcast episode from Queer Money(TM)) and it asked the question: "Should the queer community have its own credit union?"

Dozens of internal responses engaged immediately in a mental traffic jam, desperately trying to nudge their way past another to get out first.

Here's why:

  1. I'm queer and I have some thoughts about how I would like my personal and business finances handled.
  2. I used to be a stockbroker and have a certain amount of financial and economic professional knowledge.
  3. I have an advanced degree in sociology and tend to think about systemic issues, such as the economy and LGBTQIA2+ communities.

Hence, this blog post.

Do I think the queer community should have a credit union of its own? Yes. 

But.

The original interview between Phillip Endicott (who is attempting to launch a queer credit union: Equality Credit Union) and John and David, the hosts of Queer Money (TM), contained some references to data that were interesting and, on the face, very convincing:

  • “In 29 states, you can get married and be denied a home loan because of who you are, how you live and who you love,”
  • Endicott struggles with the notion that LGBTQ people are “considered wealthy and well-off when, in fact, we’re struggling financially.” He continues, “We’ve been adversely affected by all the years of fighting for equality and acceptance.”
  • Endicott says, “We’ve been fighting the HIV/AIDS crisis. We’ve been fighting for marriage equality and equality in general. We’ve been fighting for our rights for so many years.

However, I think there were elements of homogenizing the homos to make a point.

It is true that there have long been battles that the queer community has waged, but some of those battles have been labeled as "LGBTQ issues" instead of what they might have been more accurately described as "cis white gay men" issues. And that's problematic.

Demographics of Wealth and Homeownership

Discrimination of any sort is wrong, particularly when it leads to a barrier preventing financial betterment. In Endicott's reference of discrimination at the bank when applying for a home loan, the only folks who might be shocked or find themselves seeking pearls to clutch are white folks.

People of color (PoC) have long been denied home ownership, which has led to a staggering generational wealth discrepancy between white households and non-white households.

In 2009, a representative survey of American households revealed that the median wealth of white families was $113,149 compared with $6,325 for Latino families and $5,677 for black
families.
— Shapiro, Meschede, and Osoro. 2013. IASP Research and Policy Brief.

These figures are before any consideration is taken regarding sexual orientation, but we can cautiously extrapolate this to mean PoC who identify as LGBTQIA2+ are multiply marginalized and increasingly less likely to enter into homeownership due to discrimination and socioeconomic barriers and, thus, lose out on the biggest wealth generator in our economy. 

Discrimination was pervasive throughout the entire sample, yet the combination of anti-transgender bias and persistent, structural racism was especially devastating. People of color in general fare worse than white participants across the board, with African-American transgender respondents faring worse than all others in many areas examined
— Grant, Jaime M., Lisa A. Mottet, Justin Tanis, Jack Harrison, Jody L. Herman, and Mara Keisling. Injustice at Every Turn: A Report of the National Transgender Discrimination Survey. Washington: National Center for Transgender Equality and National Gay and Lesbian Task Force, 2011.

Trans* folks were surveyed and found to have a homeownership rate of less than half of the general population (32% compared to 67%).

To layer on an additional challenge that is far too frequently ignored, our aging LGBTQIA2+ folx are being crushed by our nation's economic machinations. According to a 2014 report by SAGE, our queer/trans* elders are facing "adverse differential treatment against older same-sex couples seeking housing in senior living facilities" and "this report attests to the role that discrimination plays in worsening this housing instability among LGBT elders."

Housing instability affects millions of LGBT older people around the country, many of whom face severe financial hardship, challenges with employment and unequal treatment under the law.
— SAGE and ERC Documents Discrimination against Older Same-Sex Couples. 2014.

Sexual orientation and gender identity minorities face housing and banking discrimination, but PoC and the elderly are suffering disproportionately when compared with younger and white cis gay males.

As a small favor, I will begrudgingly leave out the rural/urban divide that can also be layered onto this verbal model I'm outlaying! You're welcome!

Queer Financial Struggles

It is also true that the queer community struggles with the duality of being stereotyped as having gobs of money to spend while also not actually having a strong financial situation or outlook. But this might be simply because of lumping folx together who have vastly different experiences and levels of privilege.

According to Experian's 2012 survey, married or partnered gay men have the best financial partnership out of any possible couplings. The average annual household income for such pairings is approximately $116k while married or partnered heterosexual men household earned nearly $22k less, on average.

When it comes to individual income, gay and straight men may earn roughly the same amount, but married or partnered gay men personally take home nearly $8,000 more, on average, than their straight counterparts.
— Experian. 2012. "Understanding Your Customer."

In a clumsy attempt to compare the venerable apples-to-apples, Experian's survey also referenced that lesbians--single or married/partnered--earn more than straight women, but all this does is muddy the waters surrounding the wage gap between men and women, regardless of sexual orientation. 

This is not to be dismissive of the financial challenges faced by straight, unmarried women but rather point out that the notion of a cis white gay man saying "we're struggling financially" while sitting atop the financial mountain falls flat.

Yay! Queers can get married! Now what? wait, where'd you go, gay guys???

When trans* PoC are being murdered at terrifying rates, with 2017 already surpassing the number of such murders in the previous year, planning nuptials isn't at the forefront of their minds for causes worthy of fighting. Whereas, cis white gay men have the majority of the same socioeconomic and political privileges as their straight counterparts, the main thing they lacked in terms of institutional access was in the ability to legally marry their partners. Thus, the cause célèbre of same-sex marriage was born.

This is not to say that other queer/trans* folx didn't benefit from being able to marry whomever they unapologetically loved, but consider that there has been a deafening silence from cis white gay men on a myriad of social justice and civil rights issues after they won their SCOTUS ruling. The amount of capital (social and financial) gay men initially had to invest in the cause of same-sex marriage had a tremendous return; but where are they now?

The backlash against queer/trans* being given a modicum of equality has led to a more focused attack on our community, particularly the trans* community, with a rash of so-called bathroom bills and preventative measures against enacting the passage of hate crime bills.

Gay cis white men need to use their access and privilege to help build a safer and more just environment for the most marginalized in our community before trying to win over our support for a new cause célèbre of wanting a credit union.

Do I think queers should have a credit union for our community? Yes. Credit unions serve communities and we are a community that has unique financial conditions. But a queer credit union does not need to be led by cis gay white men and it does not need to come into existence through the exploitation of the marginalized socio-economic and political contexts of those in the  LGBTQIA2+ community who do not share in such privileges.