This combo of a white and black houndstooth overcoat and blue jeans is a fail-safe option when you need to look casually neat but have no extra time to dress up. And if you want to instantly perk up your look with a pair of shoes, why not add charcoal leather tassel loafers to the equation? This combination illustrates that as a 20-year-old gent, you have a wide range of styling options.