Totem - "A totem is a being, object, or symbol representing an animal or plant that serves as an emblem of a group of people, such as a family, clan, group, lineage, or tribe, reminding them of their ancestry (or mythic past). In kinship and descent, if the apical ancestor of a clan is nonhuman, it is called a totem. Normally this belief is accompanied by a totemic myth. They have been around for many years"
Spirit Animal/Power Animal - "Power animal(s) represent a person's connection to all life, their qualities of character, and their power. They are the helping or ministering spirit or familiar which empowers individuals and is essential for success in any venture undertaken."
So a Totem Animal is to the tribe what a Spirit/Power Animal is to the individual. An individual, unless they were part of a larger tribe with a totem would not personally have a totem. Semantics I know, but it is useful to get the terminology correct.