A garment for regulating temperature is provided, with a body including a back panel and at least one front panel and at least partially joined along at least one common edge, an inner liner panel fastened to an inner surface of at least one of the back panel and to the at least one front panel with a first surface, and a second surface opposite to the first surface of the inner liner panel, and at least one pocket with top, bottom and side edges, being fastened to at least one of the first and second surfaces of the inner removable liner panel. The at least one pocket has at least one side opening.