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PHOTO MOVED IN ADVANCE AND NOT FOR USE - ONLINE OR IN PRINT - BEFORE 3 a.m. ET on APRIL 28, 2024. Ñ Alainta Alcin, a first-generation American whose father died and mother lived paycheck to paycheck while raising six children, at her townhouse in West Palm Beach, Fla., April 21, 2024. As baby boomers die, the ongoing shift of assets to their children has been called the largest in history. But there are also many millennials whose parents have little or no nest egg to pass along. (Eric Striffler/The New York Times/Fotoarena)
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