Editing Economy of Finland (section)

==Household income and consumption==
Finland's income is generated by the approximately 1.8 million private sector workers, who make an average 25.1 euro per hour (before the median 60% [[tax wedge]]) in 2007.<ref>{{cite web|url=http://www.stat.fi/til/tvtutk/2004/tvtutk_2004_2006-09-15_tie_001.html|title=Tilastokeskus - Tehdyn työtunnin hinta 23-27 euroa|website=Stat.fi|access-date=29 December 2017}}</ref> According to a 2003 report, residents worked on average around 10 years for the same employer<ref>{{cite web|url=http://www.etk.fi/Page.aspx?Section=58009&Item=60362|title=Sivua ei löytynyt|website=Etk.fi|access-date=29 December 2017}} {{dead link|date=April 2018 |bot=InternetArchiveBot |fix-attempted=yes }}</ref> and around 5 different jobs over a lifetime. 62% worked for small and medium-sized enterprises.<ref>{{cite web|url=http://www.tilastokeskus.fi/artikkelit/2008/art_2008-02-15_003.html |title=Tilastokeskus - Pienten ja keskisuurten yritysten merkitys työllistäjinä on kasvanut |publisher=Tilastokeskus.fi |date=14 February 2008 |access-date=26 April 2015 |language=fi}}</ref> Female employment rate was high and gender segregation on career choices was higher than in the US.<ref name="niels">The Nordic Model of Welfare: A Historical Reappraisal, by Niels Finn Christiansen</ref> In 1999 part-time work rate was one of the smallest in OECD.<ref name="niels"/>

Future liabilities are dominated by the pension deficit. Unlike in Sweden, where pension savers can manage their investments, in Finland employers choose a pension fund for the employee. The pension funding rate is higher than in most Western European countries, but still only a portion of it is funded and pensions exclude health insurances and other unaccounted promises.<ref name="ikääntyminen">{{cite web |last1=Lassila |first1=Jukka |last2=Määttänen |first2=Niku |last3=Valkonen |first3=Tarmo |date=29 March 2007 |title=Ikääntymisen taloudelliset vaikutukset ja niihin varautuminen |url=http://vnk.fi/julkaisukansio/2007/j10-ikaantymisen-taloudelliset-vaikutukset/pdf/fi.pdf |archive-url=https://web.archive.org/web/20130827090435/http://vnk.fi/julkaisukansio/2007/j10-ikaantymisen-taloudelliset-vaikutukset/pdf/fi.pdf |archive-date=27 August 2013 |access-date=29 December 2017}}</ref> Directly held [[public debt]] has been reduced to around 32% in 2007.<ref>{{cite web |url=https://www.cia.gov/library/publications/the-world-factbook/rankorder/2186rank.html |title=CIA Factbook: Public Debt |publisher=Cia.gov |access-date=26 April 2015 |archive-date=13 June 2007 |archive-url=https://web.archive.org/web/20070613005546/https://www.cia.gov/library/publications/the-world-factbook/rankorder/2186rank.html }}</ref> In 2007, the average household savings rate was -3.8 and [[household debt]] 101% of annual disposable income, a typical level in Europe.<ref>{{Cite web|url=http://www.taloussanomat.fi/omatalous/2008/02/29/Kotitalouksien+velkaantumisaste+yli+sadan+prosentin/20086262/322?rss=4|archive-url = https://web.archive.org/web/20120126203237/http://www.taloussanomat.fi/omatalous/2008/02/29/Kotitalouksien+velkaantumisaste+yli+sadan+prosentin/20086262/322?rss=4|archive-date = 26 January 2012|title = Taloussanomat}}</ref>

In 2008, the OECD reported that "the gap between rich and poor has widened more in Finland than in any other wealthy industrialised country over the past decade" and that "Finland is also one of the few countries where inequality of incomes has grown between the rich and the middle-class, and not only between rich and poor."<ref>{{cite web|url=http://www.hs.fi/english/article/Income+disparities+growing+faster+in+Finland+than+in+any+other+OECD+country/1135241060829|title=Helsingin Sanomat - International Edition - Business & Finance|date=6 July 2014|access-date=29 December 2017|url-status=bot: unknown|archive-url=https://web.archive.org/web/20140706230040/http://www.hs.fi/english/article/Income+disparities+growing+faster+in+Finland+than+in+any+other+OECD+country/1135241060829|archive-date=6 July 2014}}</ref>

In 2006, there were 2,381,500 households of average size 2.1 people. Forty% of households consisted of single person, 32% two and 28% three or more. There were 1.2 million residential buildings in Finland and the average residential space was 38 square metres per person. The average residential property (without land) cost 1,187 euro per square metre and residential land on 8.6 euro per square metre. Consumer energy prices were 8-12 euro cent per kilowatt hour.<ref>{{cite web|url=http://www.stat.fi/til/ehkh/2007/03/ehkh_2007_03_2007-12-13_kuv_011.html |title=Sähkön hinta kuluttajatyypeittäin 1994-, c/kWh |publisher=Stat.fi |date=13 December 2007 |access-date=26 April 2015}}</ref> 74% of households had a car. There were 2.5 million cars and 0.4 other vehicles.<ref>{{cite web|url=http://www.tilastokeskus.fi/tup/suoluk/suoluk_liikenne_en.html |title=Statistics Finland: Transport and Tourism |publisher=Tilastokeskus.fi |access-date=26 April 2015}}</ref>
Around 92% have mobile phones and 58% [[List of countries by number of Internet users|Internet connection at home]]. The average total household consumption was 20,000 euro, out of which housing at around 5500 euro, transport at around 3000 euro, food and beverages excluding alcoholic at around 2500 euro, recreation and culture at around 2000 euro. Upper-level white-collar households (409,653) consumed an average 27,456 euro, lower-level white-collar households (394,313) 20,935 euro, and blue-collar households (471,370) 19,415 euro.<ref>{{cite web|url=http://www.tilastokeskus.fi/til/ktutk/2006/ktutk_2006_2007-12-19_tie_001_en.html |title=Own-account worker households' consumption has grown most in 2001-2006 |publisher=Tilastokeskus.fi |access-date=26 April 2015}}</ref>