Welcome Hannah! You'll be in the same boat as many Steemians then. Not quite sure about Crypto!

The trick is to see it as something you can spend. You don't need to be a financial advisor or understand how the central banks float our money on the stock markets to understand how to use money, right? Think of it like that. You don't need to be a crypto nut to spend Steem :)

Hope you have fun here :)