According to that list I would be a Millenial - which I definitely am not.
Yes, I have a 401K.
/Gen X
Author Jeff Gordinier, in his 2008 book X Saves the World, defines Generation X as those born roughly between 1961-1977 but possibly as late as 1980.[20] Canadian author and professor David Foot divides the post-boomer generation into two groups: Generation X, born between 1960 and 1966; and the "Bust Generation", born between 1967 and 1979, In his book Boom Bust & Echo: How to Profit from the Coming Demographic Shift.[21][22] On the American television program Survivor, for their 33rd season, subtitled Millennials vs. Gen X, the "Gen X tribe" consisted of individuals born between 1963 and 1982.[23]
Yeah according to that list I'd be a millenial, but I am not. Way more of a Gen X generation person, or what came after that really, before millenials began. Still I am certainly more like a Gen X person being born in 81.
No, '81 is a millenial, you've probably just been misusing the term.