Very detailed and good advice. It's quite a journey for a newbie.
On reading it really is a lot of steps to get fiat. I didn't cash out anything for a while and instead bought things through the communities with my steem/hive or used it to fund competition rewards.
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It really is a bit difficult to grasp especially if you're very new to all these things. People with a crypto trading background have an advantage though. I wanted to get into trading myself that's why I've been withdrawing my Hive earnings to my Binance.