I know that question has been keeping you up at night. Well, you can sleep now honey, because I have the answer for you! First start with a picture. I'll use one from my shortly lived graduate photography class:
Geology! I almost switched my major to Geology in undergrad. If I had, I'd be making six figures. Hey--at least I'm happy. Anyway, this fits in with our theme of the rocks. Now I'm going to trash the lock icon on the background texture layer.Now your background should read Layer 0. Drag your text layer below Layer 0. You should see your picture and not your text. Click on Layer 0 in your layer box. Now hit Ctrl-Alt-G. This groups your text and Layer 0 your picture together.
Now to make the words a little more legible, I'm going to double click on the text layer which brings up the layer styles box. I'm going to give this layer two layer styles: stroke and drop shadow. By default stroke is always red. I'm going to change it to black by clicking on the red swatch and using the color picker to make the dominant color black. For Drop Shadow, I'm going to bump up the opacity from 75% to 100% and change the distance and size options until I like what I see.