T rowe price investing help?

This isn't a decision you need to make immediately and are then locked into forever. You can change your investment selections down the road. For now, I'd keep it simple by picking the appropriate target date fund. Then go read "Investing For Dummies" and "Mutual Funds For Dummies." Those books will give you the knowledge to make intelligent fund selections instead of relying on others' recommendations. When you've accumulated $10K or so in your account, THEN it's time to look at moving beyond the target date fund, if you wish.