<prompt> Human: Im 21, planning on opening a Roth IRA target date fund. Ive narrowed my choices down to either Vanguard, Charles Schwab, or T. Rowe Price. Im leaning towards Vanguard. What do yall think?  <response>: Most people here love Vanguard and will say Vanguard. Im one of them, havent had a problem with them yet. 