Privilege is intersectional. It interacts with other types of privilege and takes nothing away from how hard you may have worked or what you may have earned, but influences your starting point.
Say it's a race. You're a white, poor female. You're racing against a white, disabled, rich male; a black poor female; an able-bodied white middle-class man; a disabled, white lesbian woman. Your starting position on the line is determined by your privilege.
If you're female, take a step back. If you're any race other than white, take a step back. If you're disabled, take a step back. If you're working class or poor, take a step back. If you're gay, take a step back.
You've taken two steps back. The white, middle-class man hasn't moved. The low-income black woman has taken three steps back. The disabled man has taken one step back. The disabled lesbian woman has taken three steps back.
It doesn't matter who wins the race; it doesn't matter if you know a poor black woman who is actually a champion sprinter or if the rich white man trips and sprains his ankle. The privilege is your starting position. It takes nothing away from your own struggles and your own achievements to acknowledge that other people start further back than you do.