I see white/gold too, and this always fascinated me because I'm wrong. The real dress is black/blue. It's very hard for me to perceive that way, partly due to the bad quality picture, and particularly the background lighting.

The gold is black and the white is a dark blue irl, but in the bad coloring/lighting of the picture, the deep blue is quite washed out. Know that the colors are very washed out, know that the "gold" is black. Focus on the lower left where the colors are closest to true and block out the rest, especially the bright parts. The thick black stripe in the middle can also be a good spot to start to see it.