These 3 Chic Outfit Formulas Will Help You to Master Winter Layering

Here’s how to bundle up without diminishing your look.

Angela Fink wearing a black wrap coat; Angela Fink wearing a fur coat; Angela Fink wearing a burgundy leather trench coat
(Image credit: Angela Fink)

I grew up in Texas, where the weather changes on a dime. Then, I moved to California, where winter exists in the morning, fall arrives by midday, and summer sneaks in by afternoon. Long story short, throughout my life, I’ve learned to master the art of layering. But here’s the thing about bundling up—it doesn’t always look chic. And trust me, I’ve made every layering mistake along the way, from wearing the wrong base to choosing bulky proportions.

So, for today’s story, I’m here to share what works and what doesn’t. Ahead, you’ll find that I’ve curated three cold-weather outfits that feel intentional, effortless, and genuinely stylish.

The All-Black Look

Angela Fink wearing a black coat, black pants, and flats

(Image credit: Angela Fink)

This all-black outfit is layered—literally and figuratively. It starts with a pair of flats that might read fall or even summer at first glance, but the trick is grounding them with a warm sock (thicker is always better). From there, I added shape with balloon-leg trousers and a cashmere long sleeve, then took it one step further with a wrapped turtleneck and a wool coat on top.

Silver accessories—a sculptural pin, a simple necklace, and a hardware-adorned bag—offer contrast and polish. Meanwhile, suede gloves add subtle tonal texture. The result? A cozy yet chic look.

The Fur & Denim Look

With my second look, it’s all about the magic of what you don’t see. Beneath my jeans, I’ve added tights for extra warmth. And let me tell you, this layering hack makes a world of difference. I slipped into a pair of over-the-knee boots, and suddenly, my denim felt insulated instead of icy.

Fur is naturally warm, but here it’s doing its work discreetly, hidden beneath a cashmere scarf wrapped around my head and neck. I’ve learned that if my neck is snug, the rest of my body maintains a warm temperature.

Woman taking a selfie in an amber fur coat, dark denim jeans, oval sungalsses, black small tote bag and iPhone

(Image credit: Angela Fink)

The Collared Look

For my final outfit, the formula builds on the one before: tights layered under denim, high boots for warmth, and a cozy sweater to anchor it all. The finishing touch is a fur stole or collar—mine is a vintage find I’ve owned for years and reach for often. I usually style it over coats, tops, and even dresses. It’s the kind of piece that instantly elevates a look while adding warmth exactly where you need it, proving that the most impactful layers are often the ones you return to season after season.

Woman taking a selfie in a brown collared jacket, oval sunglasses, black Birkin handbag, and wavy blonde hair holding an iPhone

(Image credit: Angela Fink)

Overall, looking too bundled without intention can instantly diminish your outfit. Avoid going fully oversized by adding at least one form-fitting piece into the mix. Also, consider skipping bulky scarves, summery fabrics, and exposed footwear. Thoughtful layering is about proportion, fabric, and function working together, so warmth never comes at the expense of style.

Angela Fink
Creative and Writer

Angela Fink is a content creator, co-founder of Dumont Creative, and former celebrity stylist; she also authors the popular Substack Don't Over Fink It. She's worked with celebrities including Kim Kardashian, Kate Hudson, and Zoe Saldana, and marketed for houses such as Chanel, Hermès, Chloé, and more.