How I Quit My Job & Still Earn a Full-Time Income Online - My Humble Story

As of 1 September 2017, I am officially unemployable because there isn't any work on the market that can pay me more than what I am making from my part-time online business.

I've started my online business since 2015 and I am glad that it has grown to this stage.

My name is Jack, and I want to share with you my story on how I quit my job to manage my online business full-time.

I'll be very honest with you... whoever that tells you that making money online is easy, they are bulls**ting. Period.

You've probably seen many advertisements that sound something like "3 simple steps to make money online" or "automated online business that makes a six-figure income."

The fact is, nothing is easy. If it is, there wouldn't be anyone in the workforce anymore.

Jack Cao from Bare Naked Scam

If you've read my stories about how I make money online (My Journey: 2015, 2016 & 2017), you'll probably know that making money online is not easy, yet it is not that difficult either.

Today, I would like to share with you the steps that I took to achieve my first dollar online, and how I generated a full-time income from my part-time online business that allowed me to fire my boss.

My Results for 2017

2017-WA-Income 1
2017-IB-Income 1

That's $100,024.18 for 2017

My Results for 2018


That's $132,254.88 for 2018

To some people, these results may not be fantastic, but to many, I believe it is a life changing income.

I accredit my success to Wealthy Affiliate because it has taught me everything I need to know to grow a successful online business.

Not only me, but thousands of members are already benefiting from the lessons taught in the program.

Join me in Wealthy Affiliate and Iโ€™ll show you the way to success!

How it all started...

You see, I started as a full-time employee in the corporate world, and I always wanted to learn how to earn money online and be financially free.

So years ago in 2015, I went on to search for make money online programs, and have tried and tested many of them.

The problem is, most of those programs were either scams or they did not get me anywhere.

Finding a legitimate make money online program is diamond in the rough.

I lost a few thousand dollars to those so-called "gurus" who promised heaven but delivered hell.

I was frustrated and defeated at that time, to the point where I wanted to give up being financially free.

But, I stopped whining and started to do further research, and that's when I chanced upon Wealthy Affiliate. It looked like a legitimate program, and I felt the sincerity of the founders.

But, I was on high alert at that time, and since there was a free trial for the program which didn't require my credit card details, I thought why not just give it a try.

See what Wealthy Affiliate is all about. Click here!

So, I went ahead with the program with great skepticism.

To my astonishment, that program has provided me a ton of information without paying a single cent. It was something that no others (that I paid for) provide.

Did I Become Successful Right Away?

I'd love to tell you that it was all rainbows and butterflies after joining Wealthy Affiliate, but in fact, I failed a couple of times before I found success.

Now, this is not a review about Wealthy Affiliate, and what it can offer, if you want to know more about Wealthy Affiliate, you can check it out here.

Here is my story on how I made my first dollar online.

True Story: My First Dollar Online

So, I was taught these are the elements required to create a successful online business:

  1. Finding something that you are passionate about (Niche) and build a business around it
  2. Brainstorm something unique that can connect you with the people who share the same passion
  3. Find great products in your niche to promote
  4. Create great content that people are interested in
  5. Link the content to affiliate products

I did everything I could, followed all the steps provided, and have been working hard on my business.

Months fly by, but still, no results... I was down and out!

Imagine, having to work long hours on my online business during weekdays, right before I head to my full-time job, and after I came back from work, as well as working many hours during the weekends and neglecting my family time.

Plus, the monthly subscription fee for the Wealthy Affiliate membership was eating up my living expense.


All these were for nothing if I didn't achieve any results.

I was at the breaking point where I wanted out.

But, somehow, I reminded (threatened) myself that if I give up now, I might as well give up the dream about becoming financially free.

That hit me hard because I have tried many business opportunities before finding Wealthy Affiliate, and none of them come close to the what Wealthy Affiliate provides.

So once again, I quit whining and seek help from other members of the Wealthy Affiliate community.

It was then Kyle and Carson (the founders of Wealthy Affiliate), and many other members came to my rescue and showed me the way.

They've given me a lot of advice, and I went on to revamp my website.

And, on the 4th month, since I joined Wealthy Affiliate, that first dollar came in, and it was my happiest moment at that time.

You may think that the first dollar is very little, but it does show that your online business is finally working.

In my opinion, earning the first dollar online is the hardest, and once you've overcome that milestone, the second dollar and onward will be much easier.

Join Wealthy Affiliate Now!

How My Business Eventually Found Success...

Skip ahead today. You've seen my results above.

Although the first dollar online was made, the journey to expanding the business is an interesting yet tiresome one.

If you want to be successful online, you can never be complacent.

You have to upgrade your knowledge and put them to good use constantly.

And at the same time, you have to continually work on your business (writing content, creating ads, social media marketing, etc.).


There's never an end game to this.

The hardest part of this journey was the fight against time.

I never had enough personal time, never had enough time for my family, never had enough time for my online business, and the list goes on.

I struggled for several years, trying to juggle between my day job, my online business and my family.

This struggle was finally over on 31 August 2017 (the last day of my full-time job).

Now, I am a full-time online entrepreneur, and it leaves me some time to give back to the Wealthy Affiliate community and to people like you to find success online.

If you are willing, I would be glad to be your coach to assist you on your journey to success.

Join me in Wealthy Affiliate Now!

The Real Reason I Quit my Full-time job - If you like gossiping read on

I initially intended to work till December 2017, but I had to quit because I felt that I mistreated.

After reading this, I am sure you'd probably think that you had that experience with your work as well.

The boss didn't respect me. My direct manager always takes credit for my work, distrust between employees and the list goes on.

It was just terrible, and working any longer there will destroy my health even further.

I tendered my resignation right in a heated argument with my direct manager.

Tell me if you think this is right...

My manager was pushing the blame to me for an instruction she has given. 

Just because someone else was pointing fingers at her, and she might get into trouble with the client, she threw me under the bus.

And, worst of all, she patronizes me in front of other managers, as though I acted on my will. What a joke!

But of course, there were many other factors accumulated up to that point that spurred my decision.

Boy oh boy! Throwing that verbal resignation to my manager's face was the best feeling ever.

Also, knowing that you don't need to worry about finding a job was comforting.

I hope you do not need to fire your boss, but I wish that you will be able to quit your job comfortably without the need to worry about your finances.

If you are ready to take on this challenge to start your success story, then let me be your Wealthy Affiliate coach now.

Join Wealthy Affiliate Now!

About the Author

Jack is an experienced online marketer who has the passion to help beginners succeed online.

Leave a Reply 62 comments

LARRY Coleman - Reply

Dear Sir;
What is the process for obtaining a phone consult as the material I’d like to share is of a personal nature?
Is that at all possible, & if so how may I share my phone # privately? ( totally within the context of your mentorship).
Thanking you is advance,

    Jack Cao - Reply

    Hey Larry,

    I’ve just sent you an email.

    ~Jack (BareNakedScam)

Pedington - Reply

Hi Jack.I’m from Zimbabwe and would like to know if i can join WA,without my own website

    Jack Cao - Reply

    I don’t think there is a problem with that Pedington ๐Ÿ™‚

    ~Jack (BareNakedScam)

Artrez - Reply

What are some good niches to follow in this industry. Also, what’s a good start for a beginner in Multi level marketing/online marketing so that can get traffic or customers

    Jack Cao - Reply

    Hi Artrez,

    Well, the Hemp oil industry is booming now, and there are many other niches like the baby niche, health and wellness niche, etc. You have to pick something that is of your interest or passion. I think that would be the bottomline.

    As for becoming successful with MLM, I would recommend that you check this out.

    Hope this helps!

    ~Jack (BareNakedScam)

Joo - Reply

Hi Jack,
You’re such an inspiration to me. Thank you for showing the world that there is nothing around pure hard work if you want to succeed in anything you do. I will be following in your footsteps.

    Jack Cao - Reply

    Thank you for dropping by Joo! I look forward to see your progress! Let’s chat in Wealthy Affiliate.

    ~Jack (BareNakedScam)

Adeyemi - Reply

Thanks a lot for sharing with us this information Jack,

I am a Nigerian and as a beginner who don’t have a website yet, couple with the fact that my country is among the country that can only start the premium package.
Please advice how can I be part of this online biz. And how long will be required to train a fresher to this online business world.



    Jack Cao - Reply

    You can be a part of Wealthy Affiliate if you join as a premium member. The free trial is just for you to know what you are getting into.

    Eventually, if you want to be successful, you have to invest in yourself. You can’t expect to get results from freebies. It doesn’t work that way.

    There is no simple way to earn money, you have to invest your time and energy into your business. As for the time taken to be successful, it really depends on the speed of implementation and the way your business is executed. Your success will be determine by the public, and no one has control over it. You just have to find the right system to follow (which WA provides), and keep working on it consistently. I am pretty sure you will eventually find success if you don’t give up.

    ~Jack (BareNakedScam)

William - Reply

Hi Jack,

Your jounrney really inspire me !

I just upgraded to a premium member to take advantage of the Black Friday. I have a full time job and seriously looking for online marketing. I hate all about employer empty promise and office politics….

    Jack Cao - Reply

    Hey William,

    I’m glad that my humble story did propel you to take action! I really hope that you will become successful!

    Let’s keep in touch and I wish you all the best in your business.

    ~Jack (BareNakedScam)

Kellie Acosta - Reply

Hi Jack,

How can this help me build my CTFO business? Is it possible to do both or do I sign up under you, hire you? I have been watching an following you but not sure how I could make these 2 work together. I am with Hempworx but am changing over to CTFO? Do you think that is a good move?

Please let me know,

    Jack Cao - Reply

    Hey Kellie,

    I recommend that you learn the skill of Attraction Marketing if you want to grow your Network Marketing business.

    From what I know, many CTFO distributors came from HempWorx, I believe it was because of the price and the ease of running the business. I am not sure the reason for you to switch over, but I feel that either way, as long as it benefits your audiences more as a result of the switch, it is a good decision.

    Hope this helps Kellie!

    ~Jack (BareNakedScam)

Morgan clark - Reply

Hey Jack apart from the monthly subscription which is $50 US are you paying any other fees on top of that?Do WA use facebook to drive traffic to affiliate offers such as MMO.

    Jack Cao - Reply

    WA teaches FB traffic as well. Nope, no other costs related to Wealthy Affiliate. But, I do pay for my autoresponder though.

    ~Jack (BareNakedScam)

      Kim sue - Reply

      Are you a member of CTFO?

        Jack Cao - Reply

        No Kim, I am not a CTFO distributor unfortunately. The opportunity is not available in my country.

        ~Jack (BareNakedScam)

Vrajhi - Reply

Hello Jack,

Thank you so much for all of your information. Would culinary skills translate over to a niche? In other words, would I be able to use my culinary knowledge as a product in WA? I was thinking of promoting certain products in the kitchen, but I am not sure if that would work.

    Jack Cao - Reply

    Hey Vrajhi,

    Yes, culinary skill could translate to a niche, but I can’t ascertain that it is going to be profitable, as I am not an expert in the niche. Hence, I would suggest that you check out this video out to determine if your niche is profitable:

    Hope this helps.

    ~Jack (BareNakedScam)

Cheri - Reply

Hi Jack

I’m really inspired by your determination and commitment. Would like to know if this is available in my country Barbados, West Indies. If it is I would like to join up and would really appreciate your help.

Thanks in advance

    Jack Cao - Reply

    Hi Cheri,

    I think it is available to you.

    Could you join through this link?

    Let me know know you encounter any problems.

    ~Jack (BareNakedScam)

Fidelis - Reply

Hi Jack,

My country is also listed. But how can you become a premium member when you are just starting in the digital marketing world?
I had thought there are some basics to learn before you attain a premium membership status. Please clarify.



    Jack Cao - Reply

    It is because of the high fraud rates in those countries listed that the owners decide to remove the free trial access.

    Sorry you had to experience this as it was never an intention to stop hard working people from learning how to earn money online.

    ~Jack (BareNakedScam)

Salina - Reply

How would you compare Wealthy Affiliate and Legendary Marketer? Are they both about as promising? Would you rather choose one over the other? Or would you do both?

    Jack Cao - Reply

    Hey Salina,

    Thank you for your comment! Actually both provides you with equal opportunity, and both provide good training to get you started with your online journey.

    However, I just wanted to highlight some differences in their approach to marketing.

    1. Wealthy Affiliate focuses on building a website and creating helpful content within a niche. Wealthy Affiliate teaches you how to drive organically (free) traffic, so it will take some time to build an authority and to actually earn some money. On the other hand, Legendary Marketer also teaches you strategies for both paid and free traffic, however the focus is more on paid traffic. Like Wealthy Affiliate, LM also teaches you how to promote any products online, but people are more incline to promote LM because the opportunity is lucrative.

    2. Now, it comes to the cost. There is a big difference between the two. With Wealthy Affiliate, the cost is minimum. You simply pay for the membership which comes with tools like web hosting and keyword tool. So, the cost of the membership already justified by the cost of those tools. Once you are a premium member, you unlock literally everything. But as for LM, the products are tiered based which means that there are many levels of products. The cheapest starts at $30 per month, and the most expensive can come up to $30k. But, the most popular product is the Builder and Leader course combined which cost $2,500 (bought individually it will cost $7,000). Once you own the products, you immediately qualify for the commissions, however, if you donโ€™t own the product, you would have to give up the first 3 sales and only earn commission on the 4th sale.

    My opinion is that you want to build a business from the ground up, I would recommend you to go with Wealthy Affiliate, but if you decide to leverage on a business model like LM to earn commission, you can start with Legendary Marketer.

    Hope this helps Salina!

    ~Jack (BareNakedScam)

Deepak - Reply

Hi Jack,

Great to see your success story and its a motivation to all of us.

I went into your site looking for reviews about SFM (where i just joined without any cost). After attending their module 1, i was having a lot of doubts regarding weather i can do affiliate marketing for products which are outside of SFM. I am all new to this and have little experience in marketing and its terms. And then i got to know about Wealthy Affiliate from you, and iam thinking about going for WA.

But before i just would like to know, if we can do the affiliate marketing without creating a website of our own. I understands you made a fortune using this website. Is it possible if we work hard enough and can create good earnings without creating a website and focusing on other existing products?

I already have a job, but really want to get out of it and totally focused on this. Also i would like to know if there is any chance to get mentorship from you for my future journey.

Thanks & regards,

    Jack Cao - Reply

    Hey Deepak,

    Thank you for your comment!

    While it is possible to do affiliate marketing without your personal website. There are 2 possibilities:

    1. Create your own YouTube Channel that is related to your niche, and start promoting products on YouTube;
    2. Engage a page builder service to create your webpage, and send the traffic to your webpage (bridge page).

    If you are thinking of sending traffic directly to the affiliate product page, most of the time, it doesn’t work as well as having a bridge page.

    Scenario 1 doesn’t cost much to start, but you can’t build an email list effectively.

    Scenario 2 requires a sum of money (at least $1,000 I would say). Cost for the page builder service, email automation tool, as well money to buy traffic.

    Both strategies are workable, but not as effective for a long term.

    That’s why I recommend setting up your own web property (your website). Because when you’ve created something that can draw in organic (free) traffic, you can use it to monetize in many ways. This is the best long term strategy.

    Hope this helps.

    ~Jack (BareNakedScam)

Hudson Sadler - Reply

Jack! I recently joined WA and have been grinding through the modules! I found your story and this site while looking for tips and inspiration! I found a niche that I am passionate about and I am working hard daily to create this site. With a previous affiliate marketing failure (lesson learned before finding WA) I have tasted defeat and I am highly driven to make this succeed. I would love your guidance and help to get my first dollar! Any advice or mentorship would be greatly appreciated!

    Jack Cao - Reply

    Hey Hudson,

    I’m glad that you found Wealthy Affiliate, and I am happy to know that you are not those who will give up in the face of adversity.

    I do provide coaching and mentorship when someone joins through my affiliate link.

    ~Jack (BareNakedScam)

Jay_D - Reply

Hi Jack,

I am happy to come across your website while I was searching on Planpromatrix. I have long been looking for ways to earn online, and the ppm messages by members seemed inviting until I came across your reviews about it. I have been promised by the current management for an increase when I reach 1 year in the company. It never happened, and I’m already on my 2nd year now. I currently work full time, and I just like you, there are biases in the office that I sometimes cry when I arrive home. My mom has been in and out of surgery in the states, and I want her to be happy and comfortable by at least sending financial support to whatever she will need. Hopefully you can help and guide me with Wealthy Aiffiliate. Thank you and God bless.


    Jack Cao - Reply

    Hey Jay_D,

    So sorry to hear about your mum being in and out of surgery, I wish you can provide a comfortable life for your mum as well.

    I am willing to help you out as much as I can.

    Have you joined Wealthy Affiliate yet? If you haven’t you can do so here.

    Let’s talk inside.

    ~Jack (BareNakedScam)

dorcas nkatya - Reply

hi jack

thanx for the information,but is the programme runs in Zambia.i would like to become a member

Pati Ntamane - Reply

Hey Jack!

I have just read your success story & I’m so much persuaded to join Wealthy Affiliate.

Just to know, is it open to Lesotho citizens?

What are requirements?

Thanks in advance

    Jack Cao - Reply

    Hi Pati,

    Wealthy Affiliate is open to everyone, and I am sure it is open to you as well.

    You can try joining through this link.

    ~Jack (BareNakedScam)

      Adebimpe - Reply

      Hi Jack,

      Seems WA is not for everyone. I have been trying to register now and it says it is not supported for my country. Yes, I am from Africa and proudly Nigerian. I have encountered different programs that on getting to your site to read a review you have helped averted me wasting scarce resources. I am a working mom of two wanting to build financial independence by starting affiliate marketing since WA isn’t available to me can you recommend other programs that can help and are low cost to enter like WA. Thank you

        Jack Cao - Reply

        Hi Adebimpe,

        Thank you for sharing your troubles getting into Wealthy Affiliate. As you already know, it is closed to Nigerians, it’s unfortunate.

        I would recommend that you check out this program instead.

        ~Jack (BareNakedScam)

Roger - Reply

Hello Jack,

How many hours a week are you devoting to your current marketing?

Is it something that you can set for a while and then follow up on? Or do you update it daily?

As someone with a full time job, I am interested in starting this up as a side income, but would like to know how much time it would realistically take to make this successful. From where you were to where you are now, how much time were you investing into this?

Thank you,


    Jack Cao - Reply

    Hi Roger,

    Thank you for your comment!

    Well, this has to run as a business, and it is not a set and forget kind of system.

    I am doing this full time now, so I devote at least five hours a day now.

    When I was still an employee I devote at least 2 to 3 hours a day on my business and longer hours during the weekends.

    With that said, it took me 3 to 4 months to earn my first commission (which is very little), and to earn $1,000 per month at the mark of the first year. I’ve doubled my income every year ever since, which led me to quit my job comfortably.

    Wealthy Affiliate was the program that made everything happened for me, and I hope it can do the same for you too.

    Hope this helps!

    ~Jack (BareNakedScam)

Natasha - Reply

Hi there Jack,

Thank you for the informative, insightful read.

Perhaps I missed it, but what is your actual product that’s bringing in your revenue?

If this program runs in South Africa (?), I will definately be keen to become an affiliate member.



    Jack Cao - Reply

    Hi Natasha,

    Thank you for your comment!

    The program that got me to where I am is Wealthy Affiliate. You can sign up through this link:

    Yes. This program is available in South Africa.

    I’m looking forward to chat with you in Wealthy Affiliate. Will be glad to be able to work with you to achieve your goals.

    ~Jack (BareNakedScam)

Belen - Reply

So can you also make money by referrals? And the niche you choose can be based on anything interesting like a beauty blog?


    Jack Cao - Reply

    Yes. That’s the beauty of Affiliate Marketing! You can build any affiliate business with any niche, and yes, you can make money by referrals. It depends on the affiliate program though.

joy - Reply

Hi jack why some countries listed are no compatible with this business. Disappointed. It is not fair.

    Jack Cao - Reply

    The reason is because those countries have high fraud rates and this is to protect the community, the owners, and the members.

    However, it is not entirely closed to you. You just do not have access to the free trial but you can join as a premium member.

    You get the same treatment once you are a premium member. You can join as a premium member here.

    I hope you understand.

    Please feel free to ask me any questions.

    ~Jack (BareNakedScam)

Brad Hill - Reply

I want to thank you for showing us this. I have been wanting someone to show us what can be done since I have been here.
I needed this.

Thank you

    Jack Cao - Reply

    You are most welcome Brad!

    ~Jack (BareNakedScam)

Jasmine - Reply

Hi Jack!

I would love the opportunity to be coached by you.
I have been stuck for a while now + I could use some
guidance from someone that is experienced that has results ๐Ÿ™‚

Thanks so much for sharing!


Zukhriddin Shadmanov - Reply

Hi Jack,

Thanks alot for this review it is very informative.
I am from Uzbekistan and I would like to know about money withdrawal methods available at WA? I am asking because itโ€™s a crucial point when starting any online business.

Thanks in advance for your reply.


    Jack Cao - Reply

    Hi Zukhriddin,

    In WA, you can op to withdraw funds through:

    1. Paypal
    2. wire through your bank account (this you would have to discuss with Kyle, owner of WA)
    3. Cheque (you’d also need to discuss with Kyle, owner of WA)

    Hope this helps!

    ~Jack (BareNakedScam)

Mark - Reply

Congrats Jack, these are very great results! I hope to achieve 10% of this, then it would even be good. wish you continuos success!

    Jack Cao - Reply

    Thank you Mark! I believe you can achieve greater results, you just need more time.

    ~Jack (BareNakedScam)

Nicky - Reply

Hi Jack!

I found Wealthy Affiliate through the review on your website and joining this Online University was the best decision I ever made regarding how to start an online business that can actually make you money.

But as you say, this process takes time – it’s not a get-rich-quick scheme (I have also been burnt a couple of times and I was very skeptical before starting a new program) and those never work out anyways or turn out to be scams, as you are exposing on your website.

Congratulations on going online full time! Firing your boss must have felt really good. Your hard work paid off and I’m inspired by your story ๐Ÿ™‚

    Jack Cao - Reply

    Thanks for your delightful comment Nicky!

    I hope you are able to find success with Wealthy Affiliate as well.

    Feel free to ask me anything, I’m always here to help.

    ~Jack (BareNakedScam)

Nancy Nyaga - Reply

Thanks for being really candid. I no longer have a Job (my boss fires me) and world really appreciate your coaching.

John - Reply

Dear Jack,
Thank you for the messages. It was well writing and I believed your stories.
However, wealth affiliate does not accept my Country. How do you think I can go about this.
Thank you.

    Jack Cao - Reply

    Hi John,

    It’s true that you can’t take advantage of the free trial membership if you reside in one of the following countries:

    – Egypt
    – India
    – Bangladesh
    – Pakistan
    – Vietnam
    – Philippines
    – Nigeria
    – Kenya
    – Morocco

    However, you can join Wealthy Affiliate as a premium member here.

    If you still have difficulties joining as a premium member, you can contact me at

    ~Jack (BareNakedScam)

      Fidelis - Reply

      Hi Jack,

      Looks like it is still not possible to register as a premium member if your country is in the above list. Is there any specific way to do this? If there is, please share.



        Jack Cao - Reply

        Sent you an email Fidelis!

        ~Jack (BareNakedScam)

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