Welcome aboard :) what an honest post 😂 If you're looking for money you may want to use 50/50 payout instead of 100% Steem. If your payouts are $0.13 you will get 75% of that, that's $0.10 now the payout method you chose comes into play:

50/50:

• 0.05 SBD (Steem Dollars), that's 0.25 US-$
• 0.01 SP (Steem Power), that's 0.05 US-$

100%:

you get 0.10 US-$ worth of SP -> 0.02 SP

So it's 30 cents vs 10 cents. It also depends on the value of Steem and Steem Dollars, but as a general rule, choose 50/50.