I fall in with those "inspiration is everywhere" folks. I very very rarely lift people or places or ideas from real life, but just a conversation about something intellectual, taking it to extremes, can get me started with an idea. An image or something I mistakenly interpret can give me a character or a setting. Example: As a teen I was walking through the living room when my dad was watching some old western. This beautiful young woman was running up to a carriage in happy anticipation. Then the door opens and this middle-aged guy very slowly gets out, leaning on a cane. In a split second my brain was going "Wow, that's kinda sad! I wonder why she's with him, and why she is so happy to see him? I wonder--" and then the hero climbed out after this old guy (the doctor or something) and embraced the girl and I realized it was like every other hero-gets-the-girl story out there. But then my brain kept turning over that misconception, and it turned into my first novel.
The one I'm submitting to agents now was inspired by an image of a man in a heavy wool coat reclining on one of those cruise ship lounge chairs, in the fog. I have no idea where the image came from, but I kept wondering who that guy was and what his story could be. That ended up getting combined with other ideas, but that was the seed that started it.
Unlike many others, I am not inspired by music and I can't have it on when I write because it's too distracting. However music can often put me in just the right mood to write a particular scene, so I might listen to it, turn it off, and then go write.