Every user must have a primary group; it is what gets assigned to files you make and things like that. If you type 'id' at the prompt, it will tell you this, among other things. You can also be a member of additional groups, so that you can access things that are owned by these groups.
A user can temporarily change what group is his effective primary group with the 'newgrp' command, allowing all files made afterWords (until the effect is undone) to have a specific group ownership.
If you are familiar with the unix command line and some common utilities, the following example should help.
eg:
$ id
uid=15851(John) gid=20(cluster) groups=20(cluster),502(sysadmin),47071(cool_people)
$ touch sample
$ ls -l
total 2255305
drwxr-xr-x 3 John cluster 10 Dec 1 16:51 sample
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