Guys, how often have you gone to a store to buy some fruit or vegies and seen they are practically uneatable? Only places which seem to sell pretty decent fruit and vegies are Lidl and the Stockmann supermarket in Helsinki. And Lidl is a little cheaper than normal stores, but doesn't have a lot of variety. How I'd love to sink my teeth into a Granny Smith apple which is actually fresh and has that insanely tangy sour taste. Not the crap god knows how old apples here.
Wait... Bananas! They seem to be the only fruit which actually comes here not even ripe LOL. So they're fine

The poster has painted some kind of perfect picture of Finland. Yes, we have a whole lot of good things here. Great education, peaceful, safe etc. Down sides are often the culture.... It will be a shock for a loud polite talkative socialising American to turn up in Finland to be greeted with silence and almost no customer service to speak of. And.... TAXES.... You prepared to lose a crapload of your wages in taxes? And then to add on top of that, the high cost of living? Much higher than America. Living in a tiny 2 bedroom flat if you can even afford that with how many children was it you had, 3? Yourself and your husband? In some crappier area of Helsinki, because it's all you can afford. Granted even the crappier areas don't compare to crappy areas in America.
You wrote your husband doesn't like the cold. Is he going to like -30 degrees? Or even colder the further north you go? Or the fact we pretty much have cold weather for roughly 7-8 months a year.
How will you even get here? You and your hushand have nothing to offer Finland that any Finn could do themselves. You don't even know the language. Or have any ties here.
I am not trying to put you down and be so negative, but we've had so many posters on this board go on and on about how wonderful life would be in Finland. It's their dream country. They have no ties to the country whatsoever, but seem to think they can come here and have a great life. Get a job and just be merry. And it's so far from the truth.
Why can't you look at countries which would have closer ties to your own? Australia has very strict rules for getting into it. But you can look up their government website and take their test which would tell you if your skills are needed there. Then you could apply there. It often just beats Finland in all the statistics of best countries in the world to live in (just below for education, but still way above America). They speak English there and you'd have an easier time.
And you are incorrect with your statement that the whole world is having problems economically. There are actually countries in the world doing quite fine. With a lot lower unemployment rates than Finland etc. So you should too read up about that before making such a bold statement.
I wish you luck, whatever you will do.
If you do actually get to come here. Be prepare to have a crapload of money on you. You're going to need it.