While the cost of car ownership and general cost of living is high, I'd like to point out that you don't necessarily need a car if you live and work in Helsinki. Or at least you don't need two cars in the household.
A bicycle is a perfectly viable option for transport for about 8 months of the year, or at least 6 if you're afraid of the weather (or can't change clothes at work). The bike paths are excellent and safe and if your route involves going through the city center, it's by far the fastest mode of transport (you can average 20km/h easily, can't match this by car or bus in the city). Bicycling may not be quite as good as continental Europe, but it's pretty good and the city is small enough to go everywhere by bike.
The rest of the year can be covered by public transport, which is very reliable.
Unfortunately COVID has hit the public transport in many levels, but hopefully that situation will get better. On the other hand, it did bring grocery delivery everywhere so that negates another need for a car.
Once you get a family or buy a house, owning a car is basically a must. And the price tag for it in Finland is very high. 1000e a year just for mandatory car tax, mandatory yearly checkup and liability insurance. ~70% of the price of gas is taxes. Cars themselves are so expensive that Finland has one of the oldest car fleet in the developed world (12.2 years).
I see plenty of parents with small kids in public transport, those that are using strollers don't even need a ticket. I even remember one co-worker telling that when he moved to Helsinki, he tried using car once to bring his kids to school & coming to work after. He switched to metro after that one attempt and said it made things much easier.
Furniture, materials etc. are not usually things you are transporting daily (or even monthly). Personally when I needed those, I just either paid for home delivery or rented car for few hours.
I won't claim that there are no need for car (e.g. there are some routes that take a longer with public transport compared to your own car & there are ares which don't have many connections available), but it's not as critical as some people might think.
Most people in Helsinki live in apartments so construction etc is not an issue. If you can afford a house in Helsinki, car ownership is not a significant chunk of your budget.
And I have plenty of friends who do have a car for kids etc, but only one car per household. Which is not viable in many places in the world or even elsewhere in southern Finland.
Cars in Finland have not only a value-added tax (VAT) of 24% but also a separate car tax slapped on them. At the extreme cases this can result in over 100% additional tax to be paid on top of the retail price of a car.
One car household is still much more common than two cars per family.
I don’t have an angle other than “compare salaries against CoL, rather than looking at salaries alone.” I find it very interesting how the automatic assumption is that I’m arguing for or against Finland here in some sort of proxy left vs. right fight.
In addition to the relatively small salaries, the cost of living is pretty high in the capital area. If you do move to some of the smaller cities your price-to-value ratio for living will go up way faster than trying to reach the same ratio by instead hunting for a larger salary around Helsinki.
But even then there's the purchasing power which is also relatively low everywhere. It depends on what you spend your money on, of course, but generally unless all you buy is telecommunication services everything feels pretty expensive. Moreover, the price difference to nearby countries and to the rest of the Europe is often so much higher that even if I'd very much like to support local Finnish business often there's just no way I'm going to justify that to my wallet.