Mate I don't make allot...but what I do, I put into Steem just about straight away (I don't really care about the conversion or playing the market, as its pocket change compared to what Steem could and should be worth).

As soon as the SBD comes in, straight into Steem and power up for me...

Even if you know nothing of the potential of Steem, it's just like a lotto ticket but 10,000 times more likely to go off and you actually have fun making it on Steemit :)