The Low-Key Luxe Summer Wardrobe You Didn’t Know You Needed
Let’s be honest—most of us love the idea of looking effortlessly expensive in the summer. Not flashy, not “Instagram baddie,” and definitely not trying too hard. Just chic, classic, and rich… even if our bank accounts are yelling otherwise 😅.
That’s where the old money aesthetic comes in. You know the look: clean lines, high-quality fabrics, and not a logo in sight. It whispers wealth—it doesn’t scream it. And when summer hits? Old money fashion becomes a masterclass in looking like you’re spending August on a sailboat in the Amalfi Coast…even if you’re just hitting your local farmers market.
So, I’ve rounded up 18 timeless old money summer looks that are as effortless as they are iconic. But instead of dumping all 18 on you at once (because, overwhelming), we’re breaking it up. Here’s Part 1: The First 6 Looks you’ll 100% want to copy this summer. Let’s go.
1. The Crisp White Button-Down + Tailored Shorts Combo
Ever met someone who looked too polished in 95°F weather and wondered how? This outfit is probably their secret.
Why it works:
- Clean, neutral, and breathable—the trifecta of old money summer fashion.
- The button-down screams refinement, while the shorts keep it casual and cool.
- Roll up the sleeves, pop the collar just a bit, and boom—instant prep school royalty.
Style Tips:
- Choose 100% cotton or linen for that breathable, natural texture.
- Pair with loafers or low-profile leather sandals. No neon sneakers, please.
- Accessorize with a simple leather belt and maybe a silk scarf tied around your bag for bonus points.
FYI: If your white shirt is see-through or polyester? It's giving budget intern, not boat-owner chic.
2. The Linen Maxi Dress You Can Live In
You can never go wrong with a neutral-toned linen maxi. Like, ever.
Why it works:
- Linen = old money summer uniform. There’s something about that crinkly, airy fabric that screams, “I vacation in Nantucket.”
- It’s feminine without being fussy—ideal for brunches, strolls, or barefoot beach moments.
- What to look for:
- Stick to muted tones: think ivory, stone, sage, or dusty rose.
- Choose minimal detailing. No wild prints or cutouts, please—we’re channeling old-world elegance, not Coachella.
And IMO, nothing pairs with a linen dress better than a woven basket bag and a smug “I don’t sweat, I glow” attitude 😉
3. The Monochrome Look (But Make It Rich Aunt Energy)
Ever tried dressing in all one color—and not looked like a cult member? This is how the old money set pulls it off.
Why it works:
- Monochrome elongates your silhouette, which = instant elegance.
- It creates a polished, minimalist effect without trying too hard.
Best combos:
- All navy (very Kennedy compound).
- All beige (just don’t spill red wine).
- All white (risky, but worth it).
Pro Tip: Play with texture instead of pattern—think cotton trousers + silk tank + a cashmere drape-over-the-shoulders sweater. Oh yes, the shoulder-drape is still alive and thriving.
4. The Striped Button-Up + High-Waisted Trousers
If old money had a uniform, this would be it. It’s giving: “I run errands in the Hamptons, then stop by the yacht club.”
Why it works:
- Stripes = classic, preppy, and clean.
- High-waisted trousers give you that cinched, structured silhouette that reads elegant every time.
The vibe:
- Go for blue-and-white or tan-and-white stripes—no neon or wild colors.
- Choose wide-leg or slightly tapered pants in linen or twill.
Add sleek slides or horsebit loafers, and maybe a pair of tortoiseshell sunglasses. Oh, and your iced matcha in a glass (never plastic, darling) 😉
5. The Tennis Skirt (Yes, Still a Thing)
Tenniscore isn’t just a TikTok trend. It's actually been an old money summer staple for decades—before TikTok even existed.
Why it works:
- It’s sporty but still polished.
- Perfect for hot days when shorts feel too “meh” but dresses feel like too much.
Pair it with:
- A slim-fitting polo or a cable-knit vest, depending on your vibe.
- Low-profile sneakers (think Vejas or classic white Supergas).
- Minimal accessories—maybe just a dainty gold chain or a leather strap watch.
Quick tip: Stick to pleated skirts in white or navy for max elegance. Hot pink might be cute, but it’s not giving “trust fund in Tuscany,” ya know?
6. The Silk Scarf Top + High-Rise Linen Pants
Okay, this one’s a little more modern, but when done right? Chef’s kiss.
Why it works:
- It’s got that “I borrowed this from my chic French aunt” energy.
- Perfect for beach days that turn into sunset dinners.
How to style:
- Use a vintage silk scarf or buy a pre-made scarf-style top in a muted colorway.
- High-rise, wide-leg linen pants balance out the skin up top with structure below.
Keep the look grounded with leather mules, gold hoops, and maybe a sleek bun. Oh, and please don’t forget the sunscreen. Tan lines don’t pair well with old money looks.
7. The Nautical Sweater Over the Shoulders Look
You’ve seen it. You’ve definitely side-eyed it. But trust me—there’s a reason this look still rules the old money summer game.
Why it works:
- It gives off that "just got off the sailboat" vibe, even if you're landlocked.
- It’s effortlessly chic, like you planned your outfit without trying too hard.
Here’s how to nail it:
- Drape a thin, striped cotton sweater (bonus points for navy and white) over your shoulders.
- Pair with a polo dress or crisp shorts and a tucked tee.
- Keep accessories minimal—think gold studs, leather sandals, and maybe a subtle Cartier dupe.
PSA: Don’t tie the sweater in front like you're in a 90s rom-com. Just toss it gently over your shoulders and let it rest there like your family’s been sailing for generations.
8. The Polo Dress (That Doesn’t Look Like PE Class)
Let’s clear this up: polo dresses can look like gym uniforms… or they can make you look like you’re on your way to meet Jackie O. for lunch. We’re going for the latter.
Why it works:
- It’s structured but comfy, like a t-shirt dress that cleaned up its act.
- The collar adds just the right amount of prep-school energy.
What to look for:
- Stick to solid colors—navy, cream, or soft gray.
- Choose fitted or A-line silhouettes (not bodycon, not baggy).
- Avoid logos the size of your head. This isn’t a billboard.
IMO: A good polo dress + white leather sneakers = summer’s most underrated power combo.
9. The Cotton Midi Skirt + Fitted Tank
This one’s quietly luxurious and so easy to throw on when you don’t feel like trying…but still want compliments.
Why it works:
- Midi skirts = instant sophistication.
- Fitted tanks keep it from veering into “church lady” territory.
Styling tips:
- Go for soft neutrals or muted florals on the skirt.
- A white ribbed tank tucked in makes everything look fresh.
- Add ballet flats or minimal leather sandals, plus a structured tote.
This look is basically the fashion version of “I read hardcovers and spend weekends in Provence.” And honestly? That’s the energy we all deserve this summer.
10. The Oversized Oxford Shirt as a Dress
Honestly, this is one of my go-to’s when I want to look cool, confident, and completely unbothered by the heat (or life in general).
Why it works:
- It’s literally one item of clothing, and yet it gives “I’ve got a second home in the Hamptons.”
- Oversized = breezy. Shirt = tailored. Combo = chef’s kiss.
Here’s how to rock it:
- Use a men’s oxford shirt (or steal your partner’s—zero regrets).
- Add a waist belt if you want shape or leave it loose for max chill.
- Style with espadrilles or classic loafers, and throw your hair in a claw clip.
Quick note: Make sure the shirt is long enough. This isn’t Coachella, remember? We’re classy now 😉
11. The Knit Set (No, Not Just for Grandma)
Knit two-pieces in the summer? YES. They’re insanely elegant, especially when you go for lighter weaves and neutral tones.
Why it works:
- It’s a full outfit without the effort.
- Knit textures scream quality—even if you got it on sale at Zara (shhh, we won’t tell).
- Choose:
- Lightweight cotton knits in ivory, beige, or taupe.
- Skirt + crop combo or shorts + boxy top.
- Neutral slides or slingback flats to finish it off.
Bonus points if you pair it with a canvas tote and a linen hair ribbon. Rich aunt core unlocked.
12. The Wide-Brim Hat + Everything
Sometimes, the outfit isn’t what makes the statement. Sometimes? It’s the hat.
Why it works:
- It protects your skin (because aging gracefully is the ultimate flex).
- It adds instant chic to literally any outfit—even a basic tee and jeans.
Best styles:
- Straw Panama or raffia hats (bonus points if it has a black ribbon).
- Keep it simple—no massive floppy brims or “beach please” slogans 🙄.
Just add a structured dress, slingback flats, and a vintage watch, and suddenly you’re the main character in a French indie film.
FYI: If your hat costs less than your lunch, make sure it looks like it didn’t. Texture and shape matter!
13. The White Jeans + Navy Blazer Combo
If the old money aesthetic had a holy grail pairing, this would be it. It’s crisp, it’s coastal, and it has country club cocktails written all over it.
Why it works:
- White jeans are surprisingly versatile—just avoid anything too skinny.
- The navy blazer balances summer casual with preppy polish.
How to style:
- Tuck in a light blue button-down or a striped tee.
- Choose loafers or leather mules (no stilettos, we’re not trying to flex, remember?).
- Accessorize with a tan leather belt and tortoiseshell sunnies.
Hot tip: Cuff your jeans slightly and let your ankles breathe—rich people love ankle-breathing, apparently.
14. The Cable-Knit Vest Over a Crisp Shirt
I know what you’re thinking: a vest? In summer? But trust me—this British boarding school meets coastal grandma moment totally works, especially in the evenings.
Why it works:
- The texture adds dimension to an otherwise basic outfit.
- It’s lightweight enough to wear on breezy days and cool nights.
The formula:
- White poplin shirt + sleeveless knit vest + tailored shorts or midi skirt.
- Bonus: leave the shirt untucked for that nonchalant, “I just threw this on” look.
Pair with some chunky gold jewelry and loafers, and you’re giving classic Ivy League alum—but the stylish kind who dropped out to start a vineyard.
15. The Sleeveless Midi Dress + Leather Belt
Old money loves a defined waist, and nothing does it better than a belted midi. It’s giving Audrey Hepburn on vacation, which… is a vibe, right?
Why it works:
- It’s feminine without being frilly.
- The belt breaks up the silhouette and adds structure.
What to wear:
- Go for cotton, linen, or poplin dresses in solid colors or subtle patterns.
- Add a tan or brown leather belt to cinch the waist.
- Finish with minimalist sandals and a straw bag.
IMO: This look is perfect for wine tastings, afternoon teas, or just looking superior at Trader Joe’s.
16. The Minimalist Swimsuit + Linen Cover-Up
Yes, even your beach look can be old money-coded—and no, it doesn’t involve rhinestones or neon prints. Sorry, not sorry.
Why it works:
- It keeps things clean, chic, and functional.
- You’ll look like you read the Financial Times while everyone else wrestles with their bikinis.
Essentials:
- A one-piece or high-waisted bikini in black, white, or navy.
- Linen or cotton cover-up—think shirt dresses, oversized button-ups, or wrap skirts.
- Accessorize with a woven tote and leather sandals (and skip the flip-flops…unless they’re designer, and even then, be subtle).
FYI: The less you try to look sexy, the more old money you’ll appear. Weird how that works, huh?
17. The Trench Coat for Cool Summer Nights
Yes, a trench coat. In summer. Before you come for me, just hear me out: those breezy evenings when the sun sets at 8:30? This is when the trench comes alive.
Why it works:
- It’s timeless, polished, and lowkey mysterious.
- Adds instant structure to whatever you’re wearing—whether it’s a sundress or shorts and a tee.
Go for:
- A lightweight cotton or gabardine trench in beige, tan, or cream.
- Keep it unbuttoned or lightly tied at the waist for that effortless look.
Top it off with a sleek bun, a pair of oversized sunglasses, and the attitude of someone who just canceled their summer plans in Capri…because Capri’s gotten too touristy, darling.
18. The Classic Silk Blouse + Linen Trousers Combo
We’re ending strong with a look that belongs in every adult woman’s wardrobe—especially if you’re flirting with the old money vibe.
Why it works:
- Silk blouses ooze quiet elegance.
- Linen trousers = breathable + tailored = summer’s MVP.
Styling magic:
- Stick to neutrals or soft tones like blush, ivory, or sage.
- Go for a relaxed tuck and keep jewelry gold and minimal.
- Add a leather tote, a delicate chain bracelet, and suede mules.
It’s simple, it’s sophisticated, and it whispers, “I don’t chase trends—I invest in real estate.” 😉
Wrapping It All Up (and Tying It with a Silk Scarf)
So there you have it—18 timeless old money summer looks that are cool, classic, and impossibly copyable. You don’t need a yacht, a family estate, or even a single invitation to a polo match (though if you get one, can I come too?). You just need a few key pieces, the right fabrics, and the confidence to keep it understated.
Remember: the old money aesthetic isn’t about being rich—it’s about dressing like you’ve always been comfortable, confident, and unbothered by trends. It’s about quality over quantity, quiet luxury over loud labels, and linen over literally everything else.
Now go forth and conquer summer like the elegant heiress you were always meant to be—even if your only trust fund is your Amazon Prime account 😎.