i came up with quite nice effect:

so i want to share with you 
- create text you want gold (background doesn’t have to be dark - i’ve chosen dark background just for tutorial purpose)

- add to layer with text as follows:
shadow

black outer glow

stroke emboss

gradient overlay
use following gradient:
#CC9933 at 0%
#FFFF99 at 30%
#996600 at %
#FFFF99 at 100%

stroke (same gradient as in gradient overlay)

- so far we have something like this

but it needs some last touch, doesn’t it? so…
- duplicate text layer, clear it’s effects, set fill to 0% and add following effects:
outer glow with #FFFF99 (it’ll give us some nice shine)

inner bevel (but only the lightening one, we don’t want it to be dark, don’t we?)

- so we came out with

post any suggestions, upgrades, etc 