Umaga,
I struggled to learn how to make money online and tried to do everything for free. I succeeded in a small way and learnt slowly. If you truly want to make money online then yes be cautious but realise that at some point you need to invest both time and money.
The quickest way to learn how to earn cash on line is to learn from those who know and they offer help in the form of ebooks and risk free cheaper programs (be sure to check there is a guarantee and track record of the expert you trust).
Thats my tip anyway. I have recently made a few smaller investments and have subscribed to a few programs..
Good luck,
Earn cash on line