minulla ei ole

In Finnish, there is no direct equivalent to the general verb 'to have' (though the verb omistaa exists for strict ownership). Instead, possession is expressed through a locative construction called a possessive sentence (omistuslause) using the base verb 'olla' (to be). The literal translation of the construction is 'At/on me is not'. When you want to say you don't have something, you follow these rules:

• The Possessor: In this construction, the possessor takes the adessive case (-lla/-llä). This is especially common for people; other relations use different constructions, such as Autossa on neljä pyörää (The car has four wheels). For example, minä becomes minulla. Regular nouns also take this ending and may undergo consonant gradation (e.g., poika → pojalla). Proper nouns (names) also take the adessive case, e.g., Matilla ei ole autoa.
• The Verb: The verb is always in the 3rd person singular of the target tense. In the present tense, this is the negative form ei ole, regardless of whether the possessor is singular or plural. In the past tense, the form is ei ollut, which also remains in the 3rd person singular (e.g., never conjugate it to match the possessor like 'en ollut').
• The Possessed Item: The thing that is missing is usually in the partitive case. For plural items, the partitive plural is used. Learn the fixed expressions Minulla ei ole nälkä (I am not hungry) and Minulla ei ole jano (I am not thirsty) with nominative forms. With kiire (hurry), both Minulla ei ole kiire and Minulla ei ole kiirettä are used. Do not extend one feeling-word's case pattern to all abstract nouns.
• Word Order: The standard neutral word order is Possessor + Verb + Possessed (e.g., Minulla ei ole autoa). While this is the neutral default, Finnish word order is highly flexible and can be rearranged for emphasis or topicalization.

In spoken Finnish, these forms are often shortened (e.g., mulla ei oo instead of minulla ei ole).

Compare Positive and Negative Possession

• One countable item: Minulla on auto → Minulla ei ole autoa.
• An indefinite amount of a substance: Minulla on rahaa → Minulla ei ole rahaa. The affirmative already has the partitive.
• Personal pronouns have a special affirmative accusative form: Minulla on sinut (I have you). The corresponding negative uses the partitive: Minulla ei ole sinua (I do not have you).

Grammar Terminology
The noun phrase in a possessive clause is traditionally analyzed as an existential subject, which can be partitive in Finnish. A partitive form does not by itself make a phrase an object. The personal-pronoun accusative is a special feature of this construction.