I signed up for a 401k at work but money was never taken out of my paycheck. I thought there must have been some waiting period before they'd let me. Then the other day at work one of my colleagues dropped by my desk. She was holding one of our inter-office envelopes. In it, she found my 401k enrollment form. It seems that after I filled it out, instead of mailing it, I just stuck it back in the pile of inter-office envelopes and it took this long to work our way back to this particular envelope. Thank god I didn't stick it in the bottom drawer of my desk, it would have sat there until I retired.