I've never been rich and I can't understand these young people who are so cool with their iPhones. Where did they even get the money? They don't work.

I think you're wrong. Most of these young people, as you put it, have some income on the Internet. For example, my brother is engaged in playing in an online casino https://getcasinobonus.net/ wins good money. I still sometimes ask him for a loan, that's how much he earns.