What's the difference between a warm and cool toned eyeshadow palette?

Warm palettes lean into golds, peaches, coppers, and warm browns and tend to flatter olive and golden undertones; cool palettes feature taupes, mauves, silvers, and ashy browns that play better on pink or neutral undertones. Across the reviewers we read, most people own at least one of each rather than trying to make a single palette do both jobs.