Outfit 3: Another vest option is this light gray quilted vest to wear over a fitted white shirt and medium wash denim. These Sam Edelman sneakers are so fun and the black tote bag matches perfectly.

Outfit 1: Start with a plain white long sleeve tee and a pair of baggy jeans. Layer over top with this quilted black vest.

Big Chill Quilted Puffer Vest, $15 (was $60) at Walmart. Courtesy of Walmart. This vest is available in gray, black, navy, olive, and white colorways and sizes S to 3X.