How many New Yorkers are secretly subsidized by their parents? When the job is nonprofit and the trips European, when the work is too freelance and their kids’ school too private, sure, it could be crypto. Maybe you missed that time they were hit by a city bus. But if you know someone under 50 who’s living like it’s the ‘90s — who owns their apartment, who’s out every night, or who sends their kid to private nursery school and still has money left for vacation — it’s safe to assume there’s a baby-boomer behind them. More than at any other time in New York’s history, parent money shapes our culture. It’s in the restaurants started by big-pharma heirs and the fashion line that descends from Flushing real estate. It’s in the magazines with no ads and the white-cube galleries run by 20-somethings. For a lot of New Yorkers who are Gen X on down, markers of adulthood like buying a home, starting a business, or having a kid have gone from aspiration to fantasy — unless they’re lucky enough to benefit from a process financial analysts are calling “the Great Wealth Transfer”: the $124 trillion in assets that, over the next two decades, older generations will hand down to charities and, most of all, to their heirs. It sounds enormous, epochal, game changing. And it will be, but not for most of us — over 50 percent of that $124 trillion is in the hands of the top 2 percent.