Professor Dr Normah Omar was today invited to give a professional talk entitled "Empowering Middle Class To Achieve Financial Freedom" to officers from the Retirement Advisory Services (RAS) unit of Employees Provident Fund (EPF) at EPF Learning Centre in Bangi. RAS is part of EPF's long-term plans to enhance service delivery that aims to help members achieve a sustainable retirement, for those nearing retirement or the newly retired. Members will be given guidelines and options to help them manage and grow their EPF savings.RAS also has awareness and education programmes on basic financial and retirement planning. Participants were exposed to important concepts such as active and passive income. Budget 2016 defines Malaysia’s middle class (also known as M40) as those 40% Malaysian whose household monthly income ranges between RM3.860 to RM8,319. Passive income is an income received on a regular basis, with little effort required to maintain it. The American Internal Revenue Service categorizes income into three broad types, active income, passive income, and portfolio income. Examples include book royalties and dividend-paying stocks. Investopedia defines passive income as "earnings an individual derives from a rental property, limited partnership or other enterprise in which he or she is not actively involved."