I deleted Facebook and Instagram from my iPhone two weeks ago. I'm done getting ads about something my wife and I were discussing just a little while ago (verbal conversation.) That's not targeting, that's an invasion of privacy. Fuck you Meta.
"I'm getting Facebook ads for something we were just talking about verbally so it must be listening in" has been debunked time and again. Any combination of other browsing based inference, baader meinhof, and pure coincidence would be at play