Hey, sorry to take so long to get back to you, also I'm sorry to hear that life is stressful! I hope that things are looking up!
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As to your questions; the money comes out once I lock the order unless you pay through paypal - then it comes out instantly. I usually try to lock them quickly as to not surprise people down the road, but it sometimes takes a week or so.
I'm hoping to have CDs and posters shipped out so that they arrive by the November 17th release date, but there are a few delays popping up that might push the physical rewards back a few weeks. The digital is still set to launch on the 17th.
If you're interested in the vinyl, that isn't expected to ship until around February 2020.
Hope that helps!
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