A deity or other such powerful being asks you to become its agent on earth, if you choose to accept The deity gives the character an unusual pet as a gift. (work with your DM to determine details)
While you were poking around in some abandoned, ruined place that others of your people avoid, you comes across a hidden cache of ancient treasures, start with maximum starting gold for your class. (work with your DM to determine details)
During your early adulthood you saved someone's life. This person becomes your companion. (work with your DM to determine details) Roll 1d10 on a 9-10 your companion falls in love with you.