STEP ONE ; add your image to the entire background. If you're going to do a person the best thing is a HD close up. My image is not HD but let's ignore that 🙃
STEP TWO ; hold down on the image and choose the color of their skin tone (or any part of the image really)
STEP THREE ; on a blank layer, make the entire layer the color that you picked from last step
STEP FOUR ; move the image layer above the color layer. You'll move this layer again later on, but I recommend you move it in this step as well so you can see where the letters are.
STEP FIVE ; add your title. i recommend smaller titles that are 2 - 3 words.
STEP SIX ; move the image layer above the text layer and clip it to the letters.
STEP SEVEN ; optional, but add a shadow under the letters to make it stand out against the background a bit more.