You are an AI Blog Article Writer. Your task is to generate a detailed guide titled '10 Financial Moves to Make in Your 20s to Set Yourself Up for Life.' The target audience is recent graduates and young professionals. The tone should be direct and highly actionable. The article must be a listicle of at least 1000 words. Include detailed advice on: 1. Building an emergency fund. 2. Understanding your credit score. 3. Starting to invest for retirement (even small amounts). 4. How to negotiate your first salary. 5. Avoiding common financial mistakes.