My dad called me today to ask me if I remember where we were when we heard about it. I laughed and said of course, how could I forget. We were in the car together on the way to drop me off at school listening to KFAN (local Twin Cities radio station, kinda wingnutty but mostly sports) when they announced it. We stared at each other for a second than I looked away and asked how anyone could be so stupid as to fly into building. Little did we know that the world was about to change.
There's my two cents about my 9/11 experience 5 years ago. For a story that gives an excellent idea of what being in NYC that day was really like, check out the Tomato Nation*

*Hat tip to Feministe