(Not from NYC, but)

I found it hard to navigate due to not being able to see far enough ahead and not knowing which transfer to take to head in the direction I want (is it Ⓡ Forest Hills-71 Av or Ⓡ Bay Ridge-95 St to head left/East at Lexington Av/59 St?). So, uh, I planned ahead using the subway diagram [1] (is that cheating?). I got:

127 stations, 69.92 miles, 5:02, 4 boroughs, $3.00

  Station               Transfer
  -------               --------
  ⑥ Pelham Bay Park
  Lexington Av/59 St -> Ⓡ Forest Hills-71 Av
  Forest Hills-71 Av -> Ⓔ Jamaica Center-Parsons
  Sutphin Blvd       -> Ⓩ Broad St
  Broadway Junction  -> Ⓐ Inwood 207 St
  Jay St             -> Ⓕ Coney Island Stillwell Av
  W 8 St-NY Aquarium -> Ⓠ 96 St
  Times Sq           -> ② Wakefield-241 St
Fun challenge!

[1] https://www.mta.info/map/5256