Hello dear friend, how are you? I see you need some help
I am not an expert in this I will try to explain you with my words
Steem is a criptomonedas like any other and has a market value of almost 1 dollar, this can rise or fall according to the market
SBD is equivalent to the dollar, although today it has a market value of 1.50 dollars, these two you can withdraw when you want
Steem power is your money but you can not take it out when you want, that's your voting power, I think it can be taken every four months I'm not sure
I leave you an address of questions fecuentes for more information, you can also go to the chat there is always someone willing to help
I hope I have been your help
Https://steemit.chat/home
Https://steemit.com/faq.html