Such items as a navy overcoat and chinos are an easy way to introduce some rugged elegance into your current collection. Break up your look with a dressier kind of shoes, like this pair of navy loafers. If you're not sure how to dress as a gentleman in his 20s, this ensemble is a foolproof option.
If the situation calls for a classy yet kick-ass look, you can easily dress in a navy overcoat and chinos. Let's make a bit more effort with footwear and complete this outfit with a pair of navy loafers. This pairing should clear any doubts you had about dressier ensembles in your 20s.