Milja-Emilia Kuitunen, now 30, recounts her journey from achieving her dream of homeownership at the young age of 21 to experiencing significant financial distress nearly a decade later. Initially, she perceived considerable financial difficulties as a problem only faced by 'second-class citizens', but her reality shifted drastically when she found herself in a situation that once seemed unimaginable to her. Kuitunen reflects on the signs and mistakes that led to her predicament, pondering where she went wrong and what warning signs she should have recognized earlier.

In her testimony, Kuitunen emphasizes the psychological impact of moving from a dream life to what she describes as a 'debt hell.' She reveals that the sudden shift in her financial stability came as a shock and that the repercussions are still manifested in her life nearly ten years later. Her experiences serve as a cautionary tale for others who may be tempted by the allure of homeownership without fully understanding the financial commitment involved, highlighting the reality that dreams can quickly turn into nightmares without proper preparation and awareness.

Now, Kuitunen aims to use her story as a warning for others who might be on the cusp of making significant financial decisions. By bringing her experience to light, she hopes to educate potential homeowners about the importance of understanding personal finance and the risks associated with home buying. Her journey is not just about her own losses but also a call to action for others to prioritize financial literacy before taking on substantial debts responsibly.