If you have Java programming experience or are a 3d modeller, etc you might want to check out Radakan http://radakan.org/ which is an open source 3d RPG being developed in Java. That way you don't have to be a jack of all trades and can focus on your specific area of expertise, because you'd be part of a larger team.
Just so you know developing an RPG is no easy task, and you are likely to fail if your working by yourself as a new programmer. I don't know how much experience you have in game design but working in a team or even just reading their forums would be a great way to increase your skills.