Thanks for the post, it really spoke to me. I really enjoyed the part where you described that you live in a city 5th the size of Helsinki, because just half a year ago I moved out of one of the biggest cities in my country and decided to live in a smaller one at least for a while. It costs me almost half the previous price to live here (rentals, food and all other necessities).
It's very sad for me to see how many people are actually giving it into the hype, doing everything that's against their benefit—either now or in the future. Alas, not everyone can be saved I guess.
Thanks again!