A black shirt jacket and a white crew-neck t-shirt are the perfect way to inject extra cool into your current casual rotation. For something more on the smart end to finish this look, complete your outfit with black leather tassel loafers. As you can see, it's very easy to look sharp and stay comfy when cooler weather comes, all thanks to getups like this. Sport this combination if you want to present a more mature image as a man in his 20s.