Hey Nathan, please consider that $200+ worth of Steem Dollars is a good cue to begin the converting process to Bitcoin, pronto, just in case. Our friend Shane Radliff is proficient with this, I'm sure he'd be happy to send you the bullet points on how to convert. Once your Steem Dollars are in the form of Bitcoin in a trusted Bitcoin wallet you can sit on it, or convert that over to USD or commodities you want. I realize you might know all of this, and if so, forgive me. For those reading along , there are multiple Steemit articles on the cashing out process. Great writing, looking forward to more.