If you're at all interested in making YouTube videos I have a super convenient tip for making thumbnails using a program you're more likely to have than photoshop! I've always found photoshop to be a bit of a hassle for thumbnails, especially for wording. You might be skeptical about my method in the beginning but keep watching because I totally swear by it and I think I'll change your mind!! :D
https://www.youtube.com/watch?v=_kIeTcX9Wo0
Or at the very least, you can just watch this to get some insight on how we do things behind the scenes! ;)