I have referals and know that I am going to hit at least $20 a month, so I always wait until the last day to cash out (so my check is as big as possible LOL), but everyone else cashes out as soon they hit the $20 mark so that they can start working on the next check. For instance, sweetie isn't going to hit $20 until June 1st. He will go ahead and request his check then.
It is easy to cash out. When you log in, you will see a button that says "send me my check" just click that and that is all you have to do.