How do I add text to a photo using my Samsung S9?

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Android Central Question

I have been an android user for two weeks and frustrated at the lack of simplicity to photos. I just want to add a simple text to a photo. I open it in Gallery and I only have a option of writing on the photo with my finger - which is horrible!
Why no simple T for text/caption add?
This is a Samsung S9 new in August 2018.