Hot springs changing
Not quite the beach but a similar story.
My workplace hosted a nice retreat in Colorado, and there was an outing to a (non-nude) hot spring. The changing cabin was co-ed with curtains to change behind, and though I tried to position myself in the right spot a few times, I was coming up empty.
Finally, it was time to leave. I had gotten changed in the changing cabin and then went back to the area where my coworkers had stored our stuff. One coworker, a young, slight Asian woman with low inhibitions, had really taken her time in the spring and now needed to rush to get ready to leave. As I'm pulling on my snow boots, she stands right in front of me and *whoosh* pulls down her swimsuit bottom. I'm staring at her ass, 6 inches away. It lasted about 5 seconds before she pulled on her underwear and then another few seconds before her pants came on. But the memory lasts a lifetime!
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