In a dark alley at night, you are attacked by thugs. Before they can take anything, they turn white with terror and run away. You discover that you have a guardian ghost, a wise, benign spirit who accompanies you (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.