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Good luck. I have been dabbling in Photoshop for several years and I've still just touched the surface imo. It's a pretty complex program with tons of features. I would take a class or just keep plugging away and learn through repetition - I have done both.

I don't really mess the layer tabs. I create new documents for additional text or images I want to add. Use the marquee tool to select the text, and copy and paste it onto the base image. Go to "layer" then "merge visible" to combine your elements into one image.