I have masonry walls in FL, US but with little insulation since my house was built in the 1950's. Masonry is pretty common in the US especially on the first flo

I have masonry walls in FL, US but with little insulation since my house was built in the 1950's. Masonry is pretty common in the US especially on the first floor. My house has a lot of thermal mass so the sun will shine all day on the block walls and heat it up and it takes a while to cool back down at night. It does smooth out the temp swings, but bottom line my air conditioner must remove the BTU's that make it into the house, and it's a lot. Obviously having much more insulation helps, and ideally you would want the thermal mass inside the insulation, so insulation on the outside of blocks. Then in a cold climate you need the irradiance from the sun to go through windows and heat the interior having the interior thermal mass absorb the heat while minimizing temperature rise.