Imagine yourself walking into the Michigan lottery headquarters with a winning ticket worth millions ... then imagine the thought of not contributing to the workplace jackpot on the day that everyone got the numbers right!

That's what happened to a New York man who says he didn't feel lucky and didn't put the two bucks in the company pool the day that they bought a winning ticket!

Here's what 'Mike' had to say!

BTW, seven of Mike's co-workers took home $19 million after hitting the $319 Mega Millions jackpot ... ouch!!