If you post quality content and engage with other creators, you will earn rewards after a week if you get any upvotes over $0.02 in total. That is how I earned everything I have. I spent no fiat. I did benefit somewhat when HIVE forked from STEEM 4 years ago, and I consolidated here, but it's still all a result in participation in the community. There are ways to buy HIVE if you want to play on exchanges though.
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Is there any way to view categories for different topics? Like if I wanted to find the creators who focus on outdoors, or cooking, or specific things like that?
Check out the list of communities. Outdoors and More is administered by @galenkp, and I am sure others exist, too. You can also search by clicking on the tags used to categorize posts and find what else has been similarly tagged.