I'll go first (duh)
One time, I was sitting on the toilet doing the doo doo and a spider came from the ceiling right in front of me, I wasn't even done and I didn't have anything to kill it with so I grabbed a stepping stool and smashed it into the ground and killed it.
Now it's your turn.
Edit: Baby Spiders hatched Inside my ceiling fan and invaded my room, needless to say I slept on the couch that day.
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One time I was just watching tv when I start hearing something rustling INSIDE MY EAR. I just about lost my shit because it kept on for about 10 minutes and finally I got the idea to use a cotton swab and once I took it out I looked at it and it was a damn flea. Another time I was at the hospital visiting someone and this black lady comes running in screaming and crying "oooohhhh lawd Jesus there's a fly in ma ear ahhhhhhhh" I luld a little