I am an idiot! .... It is a Journal not a blog. No wonder things are so different. So I need to look up how to add an image in a Journal entry. I add it and it shows up before you click the journal entry, but not in the entry itself.
The theme is "Crosby" with all the plants.
I'm sure I'm not the only idiot that didn't notice the difference between "Journal" and "Blog"... well maybe I am... lol.
EDIT:
I found my answer here: https://support.squarespace.com/hc/en-us/articles/205814528-Image-Blocks
But it was different, I accidentally clicked the BLUE PLUS and I was able to insert and image. I don't see those GREY inset points...
Oh, well... learning curve. Check.