Let's start the tutorial with a dark background, you can create one with Noise and Clouds or you can find a nice texture, perhaps generate one with AI. If you want you can download the source file directly and play with it. The text is also surrounded by a subtle outer glow that helps to further define the edges of the letters. The gold color is achieved using a gradient overlay layer style.
The text is raised off the background, and the letters have a bevel and emboss effect that gives them a realistic, three-dimensional appearance. The text effect in the image is a 3D rendering in gold on a dark background. No adjustments layers, no clipping masks, nothing, just one layer and Layer Styles. In this tutorial I will show you how to create a super simple gold effect in Adobe Photoshop using just layer styles.