The most direct reason: you notice them. You see a lot of ads but you just perfectly ignore them. Unless you’ve just talked about a thing related.
Indirect reason: you talked with someone else about a thing. You haven’t searched or bought online the thing. But the other person could. The other person is probably in your contact list, so – it’s a clue for the algos to show similar ads to online contacts.
Even more indirect reason: maybe it’s a popular thing and a good guess? Like winter is near so it’s probably a good thing to look for a pair of good winter shoes.
People often talk about relevant things. The advertisers are trying to guess what is relevant. What is popular.
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