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Women have recently seen their share of global wealth rise to 40%, according to a report from Credit Suisse, whose research suggests women invest differently from men.

Men might want to take note of these differences, according to Jean Chatzky, author of “Women With Money: The Judgment-Free Guide to Creating the Joyful, Less Stressed, Purposeful (and, Yes, Rich) Life You Deserve,” founder and CEO of HerMoney.com, and host of the HerMoney podcast.

Goal-focused investing

Chatzky argues that while men aim to increase their wealth for its own sake, women typically have a clear focus on what they want long-term beyond just money. “Women see money as a tool to achieve our goals,” she says. “I actually think men should invest a lot more like women. If you know what you want… you can actually achieve it. If you are just reaching for more, then you’re never going to be satisfied.”

Security first

Chatzky, who interviewed hundreds of women as research for her book, notices specific trends in the desires of modern women around their money. “I am hearing this thread about security, safety, and savings. Women telling me they don’t just want a house — they want a paid-off house,” Chatzky says. “We’re becoming more aware of the fact that we have the ability to make changes for ourselves and the people we love.”

You’re the net, not your savings

Women tend not to be proactive with their money, and Chatzky notes that needs to change. “Whether we've got $100 or $100,000, we still don't have the confidence in our ability to manage it despite the fact that we are often doing a very good job,” she said. Chatzky remembers a woman she encountered during her book research who thought her savings was her strongest key component in financial stability. “She realized that her ability to earn was actually the strongest criteria, the strongest tool in her toolbox, that she knew she was going to be able to continue to support herself,” Chatzky says “We've got to stop tying ourselves up into knots and realize we are good at this,” she says. “I think that a lot of us (women) don't have that kind of confidence.”

Always ask for more

When it comes to salary negotiation, Chatzky says it’s hard to turn the corner if you’ve never asked before, but that asking can boost a woman’s earning potential exponentially. “Every salary you have is going to hinge off the salary you have now. You're robbing yourself of so much additional money in the future by not asking today,” she said. “It's like compound interest. It's just compound interest that ends up in your paycheck.”