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I finally figured it out, but I wish the instructions were a little more clear.
I set up sub-mailboxes, but was never getting any messages in them. When I tested it, I'd get messages in my default box with the sound of pressing a key on the phone.
For the benefit of those who come after me...
The voicemail system only listens for people to press the sub-mailbox key while the message is playing. As soon as the message stops playing, the call is transferred to the default box. So, when I recorded a message that says, "For Dave press 1, for Paul press 2" before the caller could press either, they'd been transferred to the default mailbox.
So, I recorded a new message... "For Dave press 1, for Paul press 2... <pause for several seconds> For Dave press 1, for Paul press 2 <pause for several seconds> Please wait, transferring you to the default mailbox."
This longer message that repeats several times gives people enough time to pick the box they want. It works perfectly now.
BTW, the instructions I was following were those on the VZ In-Home Agent.