When I was a kid, I would race up to the top of the stairs as fast as I could, like it was some sort of silly game. Well, I must have been four or five at the time. Somewhere along the way, a voice at the top of the stairs started to whisper to me. It would make bets with me, such as... "I bet you a penny you can't make it to the top of the stairs." I recall just sitting at the top of the stairs, having a conversation with this voice about the betting, of course I was young, so I knew no better.
Eventually the voice started to bet my life, instead of pennies, it'd say "I bet you your life you can't make it up the stairs.
As I got older it stopped, and I forgot. Until one day while I was sleeping over at my brothers and we were talking about 'spooky' stories. Out of nowhere I remembered and told him, and he went quite. Before I even mentioned it, he said to me: 'Did it make bets with you?"