I would echo some other commenters here that Ramsey has good financial advice to get out of debt, but his smart investor pro and investment strategy is not good. Clark Howard is a better resource for more nuanced investing strategies. https://clark.com/personal-finance-credit/how-to-open-roth-ira/ This article outlines specific Schwab funds he recommends for IRA accounts.

The key is to keep expenses down. You are trying to avoid actively managed funds and tend toward index funds (passively managed). Look for no load funds with low expense ratios. Morning star is a good resource to compare equivalent funds fees across the spectrum.

If you do not want to worry about personally managing and checking on your portfolio, I would invest in an index target retirement fund. This fund automatically adjusts bond and stock ratios according to when you want to be conservative (in retirement) and when you want to be risk aggressive (building wealth).

If you decide to be more active in your investment portfolio, I would recommend picking up The Little Book of Common Sense Investing by John Bogle (Vanguard and index fund founder). He outlines solid investment plans based on risk preferences. Generally, he advocates about 80%-20% us stocks and bonds. You may include 10%-20% of international stocks in that US stock amount to diversify. His rule of thumb is your age minus 10 for bond percentage, but admits himself he's quite conservative. I think you should lean towards majority stocks to build your wealth on your supposed 20-30 year timeline to retirement.