Preview:

Gold Nuggets Text Effect.

Step 1:

Let’s start out by creating a new file. I used a 500×300 pixels canvas set at 72dpi, and I filled my background with black. Now select the Horizontal Type Tool then set the font family to Arial Black, 90 pt, smooth and #5A523D color shade. Then in a new text layer type your name.

Step 2:

Under Layer Style(Layer > Layer Style) add a Drop Shadow, Inner Shadow, Inner Glow, Satin and Pattern Overlay blending options to your dark text layer.

Result:

Step 3:

In a new text layer type your name again in white.

Step 4:

Under Layer Style(Layer > Layer Style) add an Inner Shadow, Inner Glow and Pattern Overlay blending options to your white text layer. Then set the layer's blending mode to Darken.

Result:

Results:

Gold Nuggets Text Effect.