Let me ask you something straight:When was the last time you seriously questioned your mortgage? Not just glanced at the interest rate and shrugged. Not just assumed the bank must be looking after you. I mean really questioned it. For most Australians, the answer is: never.

Everyone loves a good myth. Property markets are too hot. Mortgages are too complicated. Now isn’t the right time. You’ve heard them all...

Andy Dufresne, wrongly imprisoned, spends years digging a tunnel with nothing but a rock hammer. One stormy night, he crawls through 500 yards of filth and sewage to break free. He emerges in the rain, arms outstretched, finally liberated. That scene is unforgettable for one reason: it’s not just about escape. It’s about refusing to stay trapped in a system designed to crush you. And whether you realise it or not, most people’s finances look a lot like Shawshank.