'How To' Help: How do you add text to pics and make collages?

I would love to know how you fabulous people are adding text to pictures, arrows to graphs, and making photo collages! (I'm posting this in "Success Stories" because this is where I see the most examples.)

What app or software are you using to do that? I have an iPhone and a MacBook, so the apple ecosystem here. Please point me to some software!

Thank you.

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