If you have two X chromosomes, listen up. Sallie Krawcheck, the CEO of women-led digital investing platform Ellevest, dropped some major knowledge on the fourth episode of her show Makers Money. Women need to save more aggressively for retirement than men. Here’s why.

Women Have Made Less Money Than Men By The Time They Retire

Women typically work about seven years less than men. Fewer hours logged means less money earned. Their working years also tend to be broken up by hiatuses for child-rearing and caring for elderly family members. This inconsistency can lead to a few major financial setbacks.

Women also tend to work for shorter durations with a single employer. This can mean qualifying for lower pension benefits. Combine this with lower pay, and you’ve got some ground to make up.

Women Receive Less Social Security

Less time spent working means you might receive less Social Security benefits. Social Security payouts are based on your highest 35 years of earnings.

If you work fewer than 35 total years, it will significantly lower your average monthly Social Security benefits.

How Much More Should Women Save?

According to Krawcheck, you should shoot for a retirement savings of 8 to 10-times your annual salary. “[That’s] what you need if you want to spend 90 percent of your pre-retirement levels annually. It’s a bit more than you hear at the majority of investment firms, but we want you to retire like a boss — more travel, more fun,” says Krawcheck.

She adds that women also live longer. How much longer? Roughly 4.5 years according to some sources. To hit the mark, women should start investing in a diversified portfolio in their twenties, and aggressively pursue salary increases.

According to Tanya Van Court, the CEO of Goalsetter, women need to put themselves in positions where they’ll be considering for raises. Women tend to fly under the radar unless they make a point of standing out. Get out there and take what’s yours!