Select the Young woman layer 

Choose the Object Selection tool. Select the model by clicking once on the woman.

Then click Select Subject > Select and Mask to open a workspace where you can refine the selection.

The Select and Mask workspace has multiple View Modes. Choose the one that allows you to best see your selection as you work (like On Layers). You should now see the Roses Layer behind the model.

Then, click Refine Hair (at the top) to include the detailed edges of the model’s hair in the selection...it will seem subtle!

Click OK to exit Select and Mask workspace mode.

The word should be placed somewhat like above

The word should be placed somewhat like above

Click OK

Select the Create New Fill or Adjustment Layer Icon on the bottom of the Layers Panel

Select Solid Color

In the Layers Panel, Click on the Blend drop down (it reads Normal) and select COLOR

Remember, if you select more than her sweater click the MINUS tool at the top to deselect parts you do not want selected!

Select the Create New Fill or Adjustment Layer Icon on the bottom of the Layers Panel

Select Solid Color

In the Layers Panel, Click on the Blend drop down (it reads Normal) and select COLOR

Select LINK LAYERS