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The first thing that you shouldn't do after a receiving a job offer is to say “okay.” Just like when you're negotiating the price of a car, you shouldn't accept the seller's first offer.
This is step one in the salary negotiation guide. The employer is trying to get the most for her/his money, so it's quite likely that the employer can afford to pay you more. Think about the offer for 24 hours and then talk about what you need vs. what they have offered.