steemit is just a site ... your money are in a wallet on the STEEM blockchain and you can access it trought this site or via a cli_wallet ... the wallet as the name suggest is Command Line Interface only and can be downloaded from github here: https://github.com/steemit/steem/releases ... also if you want and "independent" account you'll have to mine at least one block od STEEM to an unexisting account which will be created in the process of mining (there are mining tutorials on this site) ... if you want some more info on everything there's a less user-friendly site steemd which includes more in depth info on posts and accounts:
for example check your own account here https://steemd.com/@ibai