Even with a DUI on your record, if you live, say, in the Congdon or Lakeside neighborhoods, you're probably still paying less for your car insurance than someone in Lincoln Park.

By (US DOI) Office of Indian Affairs staff - US DOI now-defunct sub-agency: Office of Indian Affairs, Public Domain

As our series on privilege continues this week, we've talked to guests who both sides of the issue: they're people of color, on the one hand; but men, on the other.

Lisa Herthel-Hendrickson is an enrolled Anishiannabeg from Wisconsin, who has lived in Duluth for many years and graduated from UWS with her bachelors in sociology and native studies this last year.

I asked her which is harder: to be a woman or to be Native?  Her answer?  Neither is as hard as poverty.

©The Virginian-Pilot

Jordon Moses says it's little things.  Like sitting on a crowded bus and all the other seats fill up before someone will sit next to you.

Like people assuming you must have gotten into college or gotten hired through some kind of affirmative action program.

And even well-meaning comments like "you speak so well," seen through the lens of race can sound like "don't all black people speak Ebonics?"

It's not just frustrating or hurtful ... Moses says it's lonely.

Interested in Jordon's reading list of blogs?  He shared some of his favorites:

Tom Page/Flickr

We kick off a four-part series this week about privilege.  Just like the title says, who has it?  Who doesn't?  And who doesn't see it?

Jeremy Nevilles-Sorell of Mending the Sacred Hoop joins us to set the stage: what is it about being called "privileged" that makes so many people defensive ... and could we substitute words like "societal norms" or "advantages" or "luck" to talk about the same thing?