Two days ago my eye was bothering me (redness and irritation), so I took my contacts out (day and nights, I rarely remove them). Since then, my eye has been very sensitive to light and the redness and irritation persists (often accompanied by watering of the eye). Also, I have noticed that there is a small white speck in the iris that I have never seen before.

Other possibly pertinent info:
I'm a 21 year old male.
Haven't put my contacts back in yet due to the redness.

Any help or advice is greatly appreciated.