No, not a genius, just repeating what someone else said.
You will have to set each audio track's output to your sound card. The USB mic can get the sound in, but can't play it. There are some newer models with outputs, though.
What Cakewalk program are you using? Which version you have will determine where to look for how to change things in the program.
I don't think you'll be satisfied usung a USB mic and a stock sound card; too many problems with latency and synchronization.
And welcome to the forum.