Ahan! Its really nice to read your experience. I don't have any debit card but I would love to have one in future and spend some steem in real life.
Right now I don't have enough steem or SBD to withdraw and spend, as I'm new so my focus is on learning more and more about the platform and to increase my reputation plus SP.
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You are doing well! Learn, interact, have fun, earn and you'll get there!
Thank you!