Thanks everyone for the help!
I do understand that SSB does not have a carrier, and 99% of my contacts since being licensed 10 years ago have been PSK or other digital modes. Getting back to SSB now and learning a lot. I have Tune level at 50% and Drive at 100%. I do see my audio modulating as I speak and the audio moving on the ExpertSDR meter as I speak. My voice is naturally very soft, so I my next configuration will be to play with the speech processing to improve my audio. I have watched Visily's YouTube video and imported his parameters as a starting point, and then adding some punch to my voice. I also have a replacement for my Heil Pro Set headset on order, so that should be much better than this cheap Yaesu hand MIC. Then, I'll get on air to make a QSO and get some feedback.
Great help in this forum! Loving the capabilities of this new radio so far!