Swim suit or tri shorts
Wetsuit
Goggles
Swim Cap
Lubricant or anti-chafe
Towel
Ear Plugs
Bike:
Bike
Helmet
Bike shorts or tri shorts
Bike Shoes
Sunglasses
Water bottles w/energy replacement fluids
Energy gel or snacks
Biking gloves
Sunglasses
Spare Tube, CO2, Tire Levers
Run:
Race shoes with quick laces*
Cap or Visor
Lubricant for feet
Race number on race belt
Energy gel or snack
Other:
Warm clothes or Rain clothes
Sunscreen
Bag
Extra Energy gels and snacks
Sandals
Change of clothes for post race
* Elastic laces are generally not preferred for longer distances