Relax your lips and drop your jaw significantly. The tongue tip lightly touches behind the bottom front teeth and the back part of the tongue presses down a little to create more dark space in the back of the mouth.

Americans pronounce occupied as AH-kyuh-pahyd (/ˈɑkjəˌpaɪd/). Stress falls on the first syllable — keep everything else short and quick. You'll hear it in sentences like "The bathroom is occupied, so I will have to wait my turn".
Record yourself saying "occupied" and play it back. The mic stays on your device — nothing's uploaded.
3 syllables, 7 sounds. Tap a syllable to jump to its row, then explore each sound's mouth shape and how it's made.
Raise the back of your tongue to touch the soft palate (velum). Stop the air, then release.

Lift the middle of your tongue toward the roof of your mouth, but stop just short of touching. /j/ is an approximant, not a stop. The tongue tip stays down, lightly resting near the back of your bottom front teeth. Voice runs through the whole gesture, and the tongue glides smoothly down into the next vowel. The lips stay neutral or pre-shape for the upcoming vowel (rounding early for OO in <em>youth</em>, for example).

Relax your lips, jaw, and tongue completely. Drop your jaw slightly and keep the tongue neutral.
Press your lips together to stop the air, then release. No vocal cord vibration.

Start with your jaw open wide and your tongue resting low and flat. Glide the front of your tongue up toward the roof of your mouth as your jaw closes halfway.
Touch the tip of your tongue to the roof of your mouth just behind your teeth. Add vocal cord vibration as you release.

The textbook way isn't wrong — it's just not how anyone actually says it.
In "occupied", the "d" is not released — the articulators get into position but hold without the burst of air. Air stops but there's no release burst — the articulators hold position.
Stress falls on the first syllable, not the others. Stretch AH — keep everything else short and quick.
Don't pronounce the first syllable too fully. The unstressed syllable reduces to a schwa — the lazy "uh" sound — in casual speech.