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No worries as I am on that same boat! lol

Every post waits 7 days before payout. You can dictate how your payouts work: either 50/50 split between Steem Power and SBD (Steem Backed Dollars), 100% into SP, or decline payout. Steem Power is Steem that is re-invested into your Steemit account. The more SP you have, the more powerful your account is here on Steemit. SBD are a token that is loosely pegged to the US Dollar and can be easily exchanged for other cryptocurrencies such as Bitcoin, Ethereum, Litecoin, etc.

Hope that helps :)

Thank you so much @shayne, you rock! 😎