Well, as warm as this coat is, I couldn't go out only with a tee under it, so I threw on a basic black turtleneck sweater underneath as well. (couturezilla.com)
I wanted these floral pants to be the focal point of my outfit so I chose a simple black turtleneck and black pumps to complete the look. (hotdresshotmess.com)
If I'm running late for dinner or an event, I'll just throw this on with a sleek black turtleneck tucked in. (extrapetite.com)