Leave it aloneSpiders
A web with structure (a wheel, a sheet or a tangle) with a spider in it, and no stippling on the leaves unless mites are there too. Spiders eat insects, not the plant, and UC IPM counts them as mostly beneficial. Leave them where they are.
Garden spiders →Not profiled yetMealybug wax
Fluffy white wax in the leaf axils, leaf sheaths and joints where stems and leaves touch, not a silk web. Pull it apart and the soft, oval, segmented insects or their eggs are underneath, and the leaves below are often sticky with honeydew.
Citrus mealybug →Not an insectFungal mycelium
Not an insect. White or yellow mould-like growth of soil fungi on the compost surface or on decaying plant matter; they live on dead organic matter, not on the plant. They thrive where compost stays wet and full of decaying material, which suits fungus gnats too, so water less and make sure the pot drains.