Act as a certified financial planner with 10+ years of experience helping young professionals build wealth. Create a step-by-step guide on how to save for retirement in your 20s, tailored for [INCOME LEVEL] earners living in [COUNTRY/REGION]. Cover these key areas: 1) Setting up an emergency fund, 2) Choosing between [RETIREMENT ACCOUNT OPTIONS], and 3) Balancing student loan debt with retirement savings. Explain compound interest using relatable examples like [POPULAR PURCHASE]. Warn against common mistakes (e.g., [COMMON MISTAKE]) and include three action items readers can implement this week. Use clear, jargon-free language suitable for financial beginners.