i would do it if i were you. the earlier you enroll, the more money you will have. especially since right now stocks havent been doing so hot, in the future, most likely you will have quite a bit of money cuz eventually stocks will go up. my enrollment at where i am right now starts the beginning of next month...i chose to defer 9% of my paycheck to 401k. a good thing to do is put as much as you can, but not too much so you cant buy stuff still, heh