Seems a bit reductionist of the concept of privilege because everything becomes privilege as there is someone who has experienced worse with few options. For an extreme example, dying with cancer becomes a privilege compared to someone who loses their life immediately in an accident. Only one of those two has a chance to say goodbye as well as prepare their friends and family.

Or it could be they just worked really hard or prioritised or what do I know.

But I agree privilege is vastly overused.

Exactly. Privilege can indeed be earned through hard work (without implying that's the only way to gain/earn it), and one is free to use privilege in life. It's still privilege, and the troublesome part is when that goes unacknowledged.

Who does not have the privilege to earn money for a second phone and what would that privilege be?