But this insight also says more about what we mean when we use the word than how 40-year-old city-dwellers behave. Often in the media (and I‘ll raise my hand here), we evoke the word „millennial“ to describe a subset of people born after 1980 who hold college degrees and live in cities. We‘re not talking about 20-year-old single moms in small towns, or fast-food workers in the suburbs trying to get by on only a high school diploma.