Question about uploading photos.

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I see that members sometimes upload multiple photos to their post and intersperse text between them. Whenever I use the upload feature, the pictures always and only attach to the bottom.

In the past, if I wanted to intersperse text, I uploaded them to a third party website and then linked the image. Am I missing a key feature here? Or are they all using third party storage and linking their photos?
 
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Click on insert after you have added the pics between the lines you want the pics to be visible;

 
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The photos will insert where your cursor is. Insert one photo, press enter a few times to move your cursor down, insert another photo or two that you’ve uploaded. Easy peasy, and no cursing needed (see what I did there?)