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Scott Baker

Scott Baker

Founder of Toast Finance & Advocate for Sustainable Personal Growth and Purpose-Driven Business Goals

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Scott Baker Podcast Episodes

Your Career Journey

Your Career Journey

Career Reinvention & Finding True Purpose After 20 Years in Retail. With Scott Baker

May 13, 2025

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About this episode

In this episode, I chat with Scott Baker, Founder of Toast Financial.

After spending 20 years building a successful career in retail and e-commerce at The Cotton On Group, Scott found himself at a crossroads. He knew he wanted more. More purpose, more alignment with his passions, and more impact from the work he was doing. But he wasn’t sure what direction that should take.

So, what does it actually look like to reinvent your career after two decades in one industry? We unpack the steps Scott took to figure out his next move, from identifying his transferable skills to exploring what really lit him up, and how he made the leap.

We also talk about the emotional side of making a big change like this. What came up for him? What felt exciting, and what was downright scary?

Scott shares what it was like going from the structure of a big corporate role to starting his own business, and the key skills and mindset shifts that helped him navigate that transition. He also dives into how building a strong network and personal brand helped him open doors and gain traction.

If you’re sitting in a role that no longer feels quite right, and you’re wondering how to figure out what’s next, this episode is full of practical advice and inspiration to get you started.

Episode breakdown:

00:00 Introduction and Welcome

00:27 Early Career and Retail Journey

04:27 Transition to a New Career

08:12 Starting a Business as a Mortgage Broker

17:51 Purpose and Impact

24:03 Challenges of Running a Business

25:21 Staying Disciplined While Working Alone

26:53 The Importance of Curiosity in Learning

29:27 Building Momentum in Business

32:25 Networking and Personal Branding

44:42 The Power of Vulnerability and Asking for Help

If you'd like to connect with Scott:

LinkedIn: https://www.linkedin.com/in/scottybaker/

Website: https://www.toastfinance.com.au/

Instagram: https://www.instagram.com/scott_thebroker_baker/

Can you also find episodes on YouTube: https://www.youtube.com/@EmmaGrahamCareerCoach/videos

Your host, Emma Graham, Career Coach and ex-recruiter, is here to help you with:

💡 Gain clarity on what’s important to you

💡 Confidently communicate your value

💡 Build a personal brand and a strong network

💡 Take a strategic approach to your next move

💡 Navigate the job market effectively

💡 Build career confidence with a repeatable success blueprint

🌐 Explore my coaching programs and free resources:

Website: https://www.egconsulting.au/

LinkedIn: https://au.linkedin.com/in/emmajgraham

Instagram: https://www.instagram.com/emmagrahamcareercoach/

🎁 Free Resources:

📄 CV Development Guide: https://www.egconsulting.au/cv-advice

📄 LinkedIn Profile Optimisation Guide: https://www.egconsulting.au/linkedin-profile-guide

📅 Book Your FREE Career Strategy Discovery Call:

https://calendly.com/emmagrahamconsulting/discovery-call

Scott Baker Podcast Episodes

Australian Property Investor

Scott Baker: On Emotions, Regular Property Reviews, and Market Dynamics

Australian Property Investor

May 2025

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Latest video

🔥 Career Reinvention & Finding True Purpose After 20 Years in Retail!

🔥 Career Reinvention & Finding True Purpose After 20 Years in Retail!

Latest episodes

Australian Property Investor

Scott Baker: On Emotions, Regular Property Reviews, and Market Dynamics

Australian Property Investor

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Key topics

Scaling a Business from Scratch, while Staying True to your Values & Brand

Scott shares his journey of building Toast Finance from a solo operation in his spare room to a thriving storefront business with a dedicated team. Drawing on his experience, he provides actionable insights on creating scalable systems, prioritizing customer experience, and building a brand that reflects your values. Scott also discusses the role of storytelling in establishing trust and how a clear brand identity can be a growth engine for small businesses. His practical advice helps entrepreneurs balance ambition with authenticity as they scale.

Empowering Financial Confidence – Turning Confusion into Clarity

Scott emphasizes the importance of financial education in simplifying complex processes like homeownership and property investment, empowering clients to make confident decisions. By presenting clear, actionable options, he builds trust and fosters long-term relationships, setting Toast Finance apart in an often transactional industry. Through practical strategies for financial literacy—such as setting realistic goals, understanding loan options, and navigating the property market—Scott demonstrates how education can create meaningful impact and drive success in any industry.

How to Build Teams That Align with Your Vision and Deliver Results

Scott reflects on his experience mentoring teams in both retail and finance, sharing strategies for aligning team efforts with a shared vision. He offers insights into creating a culture of trust, empowering individuals, and driving collaboration to achieve business goals. Scott emphasizes the importance of clear communication, values-driven leadership, and understanding the customer experience to inspire and guide teams effectively. His practical approach equips aspiring leaders with tools to foster a cohesive and high-performing team culture.

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