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Personal trainer Kjartan, who is in the process of buying a house, agrees: "Working at Finnish wages, it's really not that difficult to do. You just need to work for a few years." Like-for-like ...

Come back tomorrow to find out the cash prize! This time last year we changed Heart listener Samantha Hayes's life forever, when she won £1 million in Heart's Make Me a Millionaire. And for 2025 ...