During chilly and transitional weather, choosing winter pieces that feel polished yet lived-in is the secret to staying chic. Enter ‘rich mom’ style jackets and cozy sweaters. These classic, understated and neutral pieces look totally effortless . . . not to mention expensive. But who says you have to be rich to look like you are? These 17 quiet luxury picks give major luxe vibes, even though they start at just $24.
Elegant, timeless and refined, these rich mom-style jackets and sweaters make it easy to tap into the polished aesthetic without committing to designer price tags. Find tailored collarless finds, warm knits and structured half-zips that are elevated but totally wearable. They’re easy to style, and guaranteed to upgrade your everyday looks fast.
Effortlessly Chic Tops for Transitional Weather
1. Our Favorite: Look effortlessly cool when you wear this collared quarter-zip sweater with your favorite jeans or tailored trousers. It comes in two dozen colors, ensuring a perfect match for those who live in neutrals or prefer a pop of color.
2. Runner Up: Perfect for layering on chilly days, this chunky button-down cardigan somehow manages to be timeless and trendy at the same time. Made from 100% cotton, it will get softer and softer with every wear.
3. Low-Key Luxe: This striped sweater is as laid back as it is chic. Throw it over leggings or wide-leg pants for an easy, elevated look.
4. Coastal Classic: This cable-knit pullover will never go out of style. Beige may be the quintessential classic, but navy, black, gray and brown also whisper ‘old money.’
5. Office-Ready: Relaxed workwear pieces, like this oversized corduroy blazer, deliver understated elegance — especially when worn with a great pair of jeans and a lived-in button-down. Dress it up with boots or heels, or go casual with fresh white sneakers.
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6. Athleisure Approach: Give rich mom vibes heading to and from the gym in this cropped pullover half-zip. It comes in dozens of colors, and at just $24, you might want to scoop up more than one.
7. Country Club Chic: Tweed has a way of giving off quiet luxury vibes, especially when you pair it with bright, shiny metal buttons, as this structured knit cardigan does. Style it over a long maxi dress, with trousers or jeans for a polished look.
8. Cool Weather Essential: On particularly chilly days, you’ll be glad you have this warm wool-blend trench coat that doesn’t compromise on style. Khaki is the tried-and-true classic color, but with so many choices available, you can definitely branch out.
9. Runway-Inspired: This cropped trench, complete with plaid lining, takes the coat’s standard silhouette and adds a modern twist. Throw it on over a neutral, basic outfit to take it into quiet-luxury territory.
10. Vintage Vibes: Retro in all the right ways, this wool blazer does a great job of combining vintage style with a 2026 appeal. Wear it to carpool pickup, a meeting at the office or to brunch with friends.
11. Effortless Elegance: It’s hard to imagine a more sophisticated style than this chunky mock-neck cardigan that has front pockets and a slightly structured fit. Pair it with trousers and your favorite statement bag for an easy A+ outfit.
12. Weekend-Approved: Just because it’s cold outside doesn’t mean you can’t look expensive. Case in point, this lightweight quilted puffer jacket that is warm without bordering on bulky.
13. Wealth Whisperer: This classic, collarless blazer is understated and sophisticated, proving that great style doesn’t have to cost millions. Choose from eight muted colors, and pair it with straight-leg jeans and loafers for a truly timeless look.
14. Country Estate Core: Simple never ceases to be chic, which is where this minimal cotton barn jacket comes in. The earthy colors, iconic collar and boxy silhouette is ideal for transitional seasons from winter to spring.
15. For Rainy Days: Inclement weather is just another opportunity to switch up your style, and this hooded rain jacket is the key to feeling put together even when it’s raining. The relaxed fit, neutral color options and fur-trim lining gives it an Aspen rich mom look celebs love.
16. Layering MVP: Sometimes it’s too warm for a jacket, but you still want to feel cozy — that’s where this versatile fleece vest comes in. Style it with a slim fit turtleneck, slim jeans or leggings, and riding boots for an equestrian-inspired outfit.
17. Subtle Statement: Add a little drama to your look with this oversized shawl. Pair it with jeans, leggings or a mini skirt and a pair of leather boots for a night out.
Tired of Sweaters? These Rich Mom Blouses Are Made for Year-Round Wear
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