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In all of the articles talking about global warming or climate change. There is one factor that is not discussed. We do talk about how we can help to change the world through individual private actions, such as personal habits, and comfort zones indoors and in personal vehicles. But what is not discussed is how we can help to effect lifestyle changes in our homes when most of us live focused on our monthly income, and not on investments for the future. Seriously, how can the average person take positive action towards climate change when eating dinner at a restaurant is expensive, and our brains are flooded with Corona virus fears daily?