A navy hoodie and chinos are the perfect way to infuse understated dapperness into your day-to-day casual wardrobe. If you wish to instantly kick up this look with one item, why not complement your look with a pair of tobacco loafers? When you have one of those bleak autumn days, sometimes only a neat outfit like this one can get you out the door in the morning. Now that's how you dress casually at 20.