LOL so I'm reading that last run of Captain America with Dimension Z and all that crazy shit and near the end it shows what can only be Sam's apartment based on the posters and music collection etc. (And the fact that it's just him and Jet there and she sure as hell doesn't have a place.) His apartment is really high up in a skyscraper in the Upper West Side. This is when Steve's already turned crazy old, Sam's about to be made Captain America, and in a matter of months he's going to be needing to ask his brother for money to pay his bills and living somewhere that's definitely not the same place. So at first I was like "WTF?"
Then I realised, actually, it totally makes sense. First, later on he's on the outs with SHIELD, whereas while Steve's Captain America they work with SHIELD a lot
. He's probably listed as a contractor and getting paid by them, and when he gets banned from SHIELD for helping the Whisperer escape and negotiate an immunity deal they'd cut him off. Also
, he grew up poor as hell. He spent all his time at work, at school, doing community work, or trying to raise his siblings. His money management skills are all based around making ends meet when he's barely got two bucks to rub together. SHIELD contractor pay? Hell yes, he's going to rent a place way up in the sky in the Upper West Side. He's probably also giving his niblings tons of presents and donating a heap to the family's church. He has dick all
savings. Which made me think of last Christmas in Displaced when I had him make a huge list of people to get presents for and max out a credit card, which is exactly the same behaviour. I fucking love when things tie together like that.