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)
We see black turtleneck sweater tucked in wrap red leather skirt. (fashiongum.com)
I love the fact that I can just throw on a cozy turtleneck on top of some black jeans and look chic, without freezing my butt off! (thebeautydojo.com)