A grey overcoat and a black turtleneck are the kind of a winning getup that you need when you have zero time. Introduce black leather derby shoes to this ensemble for an instant style upgrade. As you can see, in your early 20s your dressing options are in no way limited.
This semi-casual combination of a grey overcoat and a black turtleneck takes on different nuances according to the way you style it. A pair of dark brown leather chelsea boots will class up your look. As you're heading into your 30s, you want to start dressing sharper. If that's the case, looks like this prove useful as a source of inspiration.