This combination of a grey waistcoat and blue ripped jeans is a lifesaver when you need to look effortlessly smart in a flash. If you want to feel a bit more refined now, add burgundy leather loafers to the mix. Come summer you want to feel comfortable and stylish –– this getup is just what you need. As you mature into your 30s, you probably want to start dressing like an adult. In this case, ensembles like this are a lifesaver.