Instead of starting a new question I will ask here. I now know I can cancel anytime. Is the remaining year refunded to me?

Hi. Yes, you can cancel your premium membership if you want to. You just need to go into Account Settings (lower left corner tab) and then you can change your subscription settings from there.

Of course, you can cancel at any time and also you can return as a premium member at any time. What you cannot do is go premium and then return as a free member if you think about this that is logical. Otherwise it wouldn't be fair to the people who pay every month for the benefits of premium membership. Hope this helps Catherine

Making money prior to upgrading? In my honest opinion, I don't think so. Because all the tools and training you need in order to build a valuable business online are in the courses that follow after the course one which is a course which only enables you to build a website.
And yes your an upgrade anytime. But the earlier the better, you procrastination is the thief of time. Am sure you wanna build a business online does why you chose this path, so risk it all and someday look back with a smile and say to your self "I turned a dream into reality".
Finally you can take all the time you need to make your final decision. I was skeptical just like you in the beginning but after I took the risk and upgraded, I haven't regretted my decision

Yes you can refer people now to the system you will earn commission. However commissions are much higher when you are premium member. If you're interested in making money off the top with referring people to wealthy affiliate, you need to click on Wealthy Affiliate Boot camp link to see how it works. It's the quickest way to make money now today. My first day I referred 2 people soon as they go premium I'll earn 22.50 per month X2 . It's very possible and easy to earn.