Excellent post donkeypong, but there has been a question that has been bugging me, I hope I explain it properly, ok here goes.

So let's say I take my cash out at a point where I've got $10,000, which is 104 payments of $96.15

As I'm getting these payments, I am obviously still posting and still active, meaning I'm still acquiring SP, so is that SP part of my powering down payment; or would I have to power that down as well?

Also, do I lose the benefits of all the Steem being powered down at once, or is it being siphoned away over 104 weeks?

Thanks

CG