I will try to explain better sorry for confusion.

itonewbie buys level 1 of "smart contracts" in forsage. you cannot get that money back. owning that level now gives you access to commissions when you refer someone.

you referred me under you and i buy level 1, then  itonewbie, you, immediately receives $15 of commission appearing in your digital wallet. You can cash that out anytime you want  or use it to buy level 2. 

That's how this work.