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)
You find yourself in love with another, wither it is a fling or something more serious is up to you. (work with your DM to detirmine if it is ongoing or terminated)
As an adult you joined a rebellion against the local ruler, if successful you are outlawed, if it failed you escape, with only friends and family knowing your involvement. (Work with your DM to detirmine the details)