This is a chocolate text example that has been made easy by some simple segment that is given in this example.
New file: Take any size of file as you like.
Text Setting: Choose Horizontal Type Tool (T key) and make formatting then write text in the file as given below.
Effects: Now use some effect so go to Layer Menu > Layer Style > Bevel and Emboss, Stroke. Make both settings as here.
This is your result.
Recommend the tutorial