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You need to have setups done (Duh) so you can access the finale.
After escaping cayo, tab out and open resmon as fast as possible (I recommend having it open before doing the heist so you can easily access it)
go to Network tab, find GTA5.exe, right click and hit suspend. Now hover over the confirmation, waiting for a "Transaction Pending" notification in the bottom right corner. Once you see it, wait for it to stop loading then click the confirmation.
One of these few things will happen
- Game will freeze (In which case you open task manager and kill the task.)
- Game will force you into story mode (Rare in my case)
You will only know the glitch worked when you load back into online, see that you have received payment, and you can replay heist without doing setups again.