If you'd like take your off-duty style game to a new level, opt for a dark brown cardigan and a crew-neck t-shirt. Black leather loafers will take this look down a more elegant path. Seeing as it is getting chillier with each day, this ensemble seems a wonderful idea for the time in between seasons. As you reach your 30s, you want to start dressing like an adult. In this case, combinations like this are a tested option.