I thought for sure that I understood, but I guess I do not.
I "exported" - UV> Export UV Layout from the UV Editor, so that I could place materials via Photoshop to this exported layout - see attached image for the results - it's looks perfect to me, but the "shirt" obj does not refresh
I do not understand what I am doing wrong. From everything that I have read and watched, this is how UV Wrapping works
Screenshot of the material for the shirt - I gave the shirt a new material, as what follows what I have read
This was the original material, but it was not working. That is why I deleted it and tried to add a new material
Originally, I was hoping to fix the black box around the badge, which lead to learning about UV mapping.
You (@moonboots), I re-imported the obj file, then I just had to plug in the original material and Blender knew what to do. The following is the Shading area and the object that is correctly UV mapped - thank you all for your help