1. Learn a programming language
If you've never programmed, this is probably the hardest part. But don't fret, there is tons and tons of resources out there for this exact purpose, not to mention all the books that have been written. Also, when you've first learned one programming language, all the others will be that much easier to learn too.
My recommendation for a beginning language is C#. This can be used in a safe mode, which means you don't have to worry too much about which objects you created and where you are referencing them (which can get ugly, to say the least). It is a Microsoft language, which usually means Windows only (and XBox with XNA), but if you don't mind this, then go for it (there exists extensions for other platforms to be able to use languages like C#, but if you really want cross-platform compatibility, you will probably be better off with a language like Java or C++, where Java is easier, and C++ is more flexible).
To develop in C#, you will probably want to download the free edition of Visual Studio, namely Visual Studio Express (you can use this for C++ too, for Java I recommend Eclipse).
You must also get comfortable with either OpenGL (cross-platform) or DirectX (Windows and Xbox), or you can start off with an existing engine like ExoEngine (C#) or Ogre3d (C++), which is easier, but still requires you to learn the engine API.
2. Develop a small game clone
This is an often skipped step, but it's almost as important as learning the programming language in itself. Start out with a clone of Tetris or Space Invaders or whatever tiny classic game you'd like (as long as it is really simple). This will really help build up your understanding of how a game should be assembled (with different states, loading of graphics and sounds, handling input, and more), and will help you get some well-needed experience with a real project. Once you have finished (and I mean finished) a game like this (it doesn't have to be the prettiest game in the world), you have so much more knowledge about what creating a game is all about.
3. Develop the RPG of your dreams
This step will take time, it will be difficult, you may not make it on your first go, but that doesn't mean you won't make it at all. Let me give you a list of advice:
- Plan before you code (preferably the whole program structure, time line and milestones)
- Don't expect it to be easy (it won't be, but with effort it's possible)
- Don't set your goals too high (keep it simple and straightforward, a simple and plain game can have the best gameplay in the world, and the most sleak and fancy games can be the most boring games to play after you get tired of looking at those wind-affected tree leaves)
- Don't give up at first obstacle (if reading this article was too much, then maybe you should rethink the whole idea)
Conclusion
There is no quick and dirty way to get into real game development (unless your insanely rich dad has a game company on his paylist), and all those game making tools will not get you into the business, and will probably not give you enough freedom and possibilities to create your game with a unique battle system, intriguing story-line and brilliant graphics (however, if you want none of these, go for it).
Don't give up though. Many people are making a living out of this, and they probably started out a lot like you, with nothing other than a dream.