When summer rolls around, there’s something undeniably appealing about classic, understated style. The “old money” look is effortlessly polished—never flashy, always refined, and full of easy sophistication. Whether you’re heading to a brunch, attending elegant gatherings, or just want to bring a touch of timeless elegance to your everyday outfits, these essentials are the key.
In this post, I’m sharing the 9 old money summer must-haves that will elevate your warm-weather wardrobe. These pieces are versatile, comfortable, and never go out of style—proving that true elegance is always in season. Let’s get started!
What Is Old Money Style?
Old money style is all about timeless elegance. It’s built around classic, high-quality pieces that never go out of fashion—a look associated with effortless sophistication and quiet luxury. Rather than chasing trends, it focuses on neutral colors, tailored silhouettes, and well-made clothing that feels polished but not flashy.
Think crisp white shirts, tailored trousers, and structured blazers. The goal is for your outfit to look expensive, not because of designer logos, but because of its simplicity, fit, and timeless appeal. It’s a style defined by versatile staples you can wear for years, offering quiet confidence and refined elegance for any occasion.
9 Classic Old Money Pieces for a Chic Summer Look
Summer is the perfect time to bring the polished yet effortless vibe of old money style into your wardrobe. With just a few timeless staples—like crisp white trousers and classic loafers—you can create outfits that are both chic and practical.
Here are 9 essentials to get you started!
Linen Button-Down Shirt
If there’s one piece that screams effortless summer style, it’s the linen button-down shirt. Lightweight and breathable, it’s perfect for warm days when you want to stay cool while looking put-together.
Pair it with white tailored shorts for a breezy daytime vibe or tuck it into a pair of high-waisted trousers for something more polished. For a relaxed touch, roll up the sleeves or leave a button or two undone.
Neutral shades like white, beige, or light blue keep the look timeless and elegant.
Tailored White Pants
Summer is the perfect season for tailored white pants. They feel crisp and clean, and elevate any look instantly.
Style them with a striped top for a nautical-inspired outfit or with a loose linen blouse for an effortlessly chic vibe. Look for a straight or wide-leg style that flatters your silhouette, and consider fabrics that are lightweight yet structured to hold their shape. If white feels intimidating, try off-white or cream, which are equally versatile and easy to style.
Breton Striped Top
Breton stripes are a timeless staple that perfectly captures the old money summer vibe. Opt for a chic short-sleeve cardigan or a classic tank top in navy and white stripes for effortless elegance.
A striped cardigan adds a polished, preppy touch when layered over simple outfits, while a tank top is perfect for easy, breezy summer days. Pair with high-waisted shorts, flowy skirts, or tailored trousers for a versatile look. Add a straw tote and oversized sunglasses to complete your sophisticated, summer-ready ensemble.
Shirt Dress
For easy, one-and-done dressing, a shirt dress is unbeatable. It’s simple yet refined, making it perfect for warm summer days. You can belt it at the waist for a more defined silhouette, or leave it loose for a relaxed, effortless look.
Neutral tones like white or beige are perfect for that old money vibe, but you can also try soft pinstripes for a bit of flair. Pair it with espadrilles or simple flat sandals and add a structured handbag to complete the outfit.
Lightweight Cashmere Sweater or Cardigan
I always find that a lightweight cashmere sweater or cardigan is the perfect companion for cool summer evenings. Drape it over your shoulders during the day or layer it over a dress when the temperature drops.
Stick to soft neutrals like beige, grey, or cream for a look that’s always polished and easy to pair. If cashmere is out of reach, cotton or lightweight wool are excellent alternatives that still feel luxe and cozy.
Linen Blazer
You really can’t go wrong with a linen blazer during the summer months. It’s polished yet breathable, making it an ideal layering piece for warmer weather.
Stick to classic, tailored cuts in timeless neutral tones like white, camel, or beige for maximum versatility. Style it with pleated trousers or tailored shorts for an effortlessly polished look, or drape it over a delicate slip dress for understated sophistication.
To maintain the old money aesthetic, focus on quality details, like natural horn buttons, and pair it with loafers or understated leather sandals for a truly elegant finish.
Contrast Trim Top
A contrast trim top, like a sweater vest or polo shirt, is a subtle way to channel old money style this summer. The clean lines and understated detailing instantly elevate your look.
Pair a sweater vest with a pleated skirt or layer it over a fitted tee for a more relaxed yet refined vibe. A polo shirt works perfectly with tailored shorts or linen trousers for a polished, casual look. Stick to neutral tones with contrasting trims in navy, black, or white for timeless elegance.
Loafers
For footwear that’s both practical and refined, loafers are a summer staple. They’re comfortable, timeless, and can be dressed up or down depending on the occasion. Go for classic leather loafers in tan, black, white, or beige for the most versatility, or try suede for a slightly softer, more textured look.
Backless loafers are a great warm-weather alternative, offering the same polished aesthetic while feeling a bit more breathable.
Tan or Brown Belt
A tan or brown leather belt is a subtle yet essential accessory for an old money summer wardrobe. Go for one made from quality leather with a simple gold or brass buckle for a classic, timeless look.
It’s perfect for pulling together an outfit—use it to define the waist of a flowy dress or pair it with tailored trousers or high-waisted shorts for a polished touch. This versatile piece adds just the right amount of elegance to any summer ensemble.
Tips for Styling Old Money Pieces
Styling old money pieces is easier than you might think, as it’s all about keeping things simple and refined. Here are a few tips to nail the look:
- Stick to neutral or soft tones: White, beige, navy, light blue, cream, and muted pastels will help you achieve that timeless aesthetic.
- Invest in quality fabrics: Materials like linen, cotton, silk, and cashmere elevate your outfit instantly.
- Balance is key: A relaxed linen shirt goes well with structured trousers, while a tailored blazer can refine a casual top and loafers.
- Minimal accessories: Opt for delicate jewelry, a classic leather handbag, or a silk scarf to add subtle elegance without overwhelming the outfit.
- Perfect your layering: Adding a cardigan or blazer always polishes up a simple look and gives it more versatility throughout the day.
Whether you’re headed to a summer brunch or just a casual day out, these styling tips will help your old money pieces feel elevated and appropriate for every occasion.
Where to Shop for Old Money Staples
The old money aesthetic emphasizes quality over quantity, so finding the right pieces is key. While designer items are certainly part of the look, you can absolutely build the style within your budget by sticking to pieces that are well-made and timeless in design. Here are a few go-to options:
- For Investment Pieces: Ralph Lauren, Massimo Dutti, and Reformation are great places to find tailored staples like blazers, trousers, and shirts.
- More Affordable Options: Crew, Everlane, Banana Republic, Aritzia, and Mango offer high-quality basics that align perfectly with the old money style.
- Thrift or Vintage Stores: Look for classic pieces with quality construction, such as cashmere sweaters, loafers, or silk scarves. Vintage shops often carry timeless gems at a fraction of their original price.
- Footwear: For classic loafers or sandals, try brands like Sam Edelman, Steve Madden, or Cole Haan.
- Accessories: Opt for structured handbags from brands like Cuyana or Polène, or try small leather goods from vintage designer stores like The RealReal or Vestiaire Collective.
Shopping for old money staples isn’t about following fast fashion but rather curating a wardrobe of enduring favorites you’ll wear season after season. It’s a slow and intentional process, but one that always pays off!
These nine timeless pieces are the key to achieving an elegant, old money summer look. With their classic appeal and effortless sophistication, they’ll have you feeling polished and chic, no matter where the season takes you.
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Hi, it’s Judy!