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Editor’s Note: This story originally appeared on The Penny Hoarder. If you haven’t noticed — and unless you’re living in the proverbial cave, certainly you have — it’s hot out there this summer. And when we say it’s as hot as it’s ever been, we’re not exaggerating. According to the University of Maine’s Climate Change Institute, July 4, 2023, was the hottest day on Earth in 125,000 years.
