Studded Clutch Smart Casual Cold Weather Outfits In Their 20s

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Navy Beanie White Dress Shirt White and Black Horizontal Striped Crew-neck Sweater Tobacco Coat Black Studded Leather Clutch Tobacco Skater Skirt Black Tights Black Leather Ankle Boots

For a casual outfit, team a tobacco coat with a studded clutch — these two pieces work really well together. Up the style factor of this look by finishing off with black leather ankle boots.