Let’s talk polos, guys. This isn’t just your basic shirt for weekend errands or a last-minute throw-on. When done right, the polo shirt is a cornerstone of that timeless, old money aesthetic. It’s the kind of piece that’s quietly luxurious — no big logos or loud colors necessary. You’re aiming for the kind of look where you walk into a room, and people think, “That guy’s got taste,” without you having to say a word.
As someone who’s spent more time than I care to admit studying men’s style, I’m here to break down how you can take a simple polo and transform it into something worthy of the yacht club (even if you don’t actually own a yacht). The old money look is all about balance — effortless but polished, subtle yet refined. So here’s how you can pull it off with your polo game.
1. Fabric First: Luxury Is in the Details
If you want to nail the old money vibe, the fabric you choose for your polo is everything. You’re looking for natural, high-quality materials that feel as good as they look. We’re talking comfort and elegance here. You wouldn’t catch a trust-fund kid running around in cheap polyester, so why would you?
- Pima Cotton: This stuff is the gold standard when it comes to polos. Soft, durable, with just the right amount of sheen to elevate your look. Brands like Lacoste and Sunspel know how to do this right.
- Merino Wool: When the weather cools down, switch to lightweight merino wool polos. They bring sophistication with a touch of warmth — think après-ski in the Alps with an old Bordeaux in hand. John Smedley is your go-to here.
Do: Stick to natural, breathable fabrics like Pima cotton or merino wool. They’re timeless and scream quality.
Don’t: Touch those synthetic blends. They don’t breathe, they don’t drape well, and frankly, they won’t give you that luxe look.
2. Stick to Timeless Colors
The old money aesthetic is built on timeless, versatile pieces, and that includes the color palette. You won’t find flashy, neon colors in a wardrobe that’s been curated over generations. Stick with the classics, and you’ll be in good company.
- Navy, White, Black: These are your essentials. They pair with everything and can swing from casual to smart with ease.
- Earth Tones: Olive green, beige, and soft browns give you that grounded, old-world feel — perfect for when you’re looking to add a little depth to your outfit without trying too hard.
- Muted Pastels: If you’re feeling like adding a pop of color, do it subtly. Think soft blues, light yellows, or pale pinks. They’re understated but classy, the perfect addition for when you want to mix it up without shouting.
Do: Build your polo collection around neutrals and soft shades. These colors work in any setting, making you look like you belong, whether at a country club or a summer party on the Côte d’Azur.
Don’t: Go for anything too bold or flashy. The loud, neon polos of yesteryear are not the vibe we’re after here.
3. Fit: The Make or Break of Any Look
Fit is crucial, guys. It’s what takes you from “Oh, he threw something on” to “Damn, that looks good.” Your polo should be tailored without being tight — we’re aiming for effortless elegance here, not gym bro vibes.
- Shoulders: The seams should sit right at the edge of your shoulders. Anything past that, and you start to lose the structure.
- Sleeves: Aim for mid-bicep, with the sleeve hugging your arm just enough to show some definition without squeezing it.
- Length: The bottom of your polo should hit around mid-hip. If it’s too long, you risk looking sloppy; too short, and you’ve wandered into frat boy territory.
Do: Get your fit right — slim but not skin-tight, relaxed but not baggy.
Don’t: Wear a polo that’s either too baggy or looks painted on. You’re aiming for “I’m effortlessly put together,” not “I spent an hour in front of the mirror.”
4. Layer Like a Pro
The art of layering is where you take that polo from good to great. The old money look is all about simple, refined layers that feel just as intentional as they are easy.
- With a Blazer: A well-tailored blazer layered over a polo? Chef’s kiss. It’s a smart-casual combo that’s perfect for dinner at a nice restaurant or a relaxed day at the club. Think grey, beige, or navy blazers for a versatile look.
- With a Sweater: Throw a cashmere sweater over your shoulders, and suddenly you’re giving off “weekend in the Hamptons” vibes. It’s the ultimate in laid-back luxury and an easy way to add dimension to your look.
- With Chinos or Trousers: A good polo paired with tailored chinos or pleated trousers is the hallmark of that preppy, old-money aesthetic. Stick to neutral tones like beige, khaki, or light grey for a clean, polished finish. Loafers or boat shoes complete the look.
Do: Use lightweight layers to create depth and interest without losing the simplicity of the look.
Don’t: Overdo it. Keep your layering purposeful and neat. No need to pile on accessories or complicated combos.
5. Dress It Up or Down
One of the best things about the polo is how versatile it is. You can take it from the golf course to dinner, from the beach to a semi-formal event. Knowing how to dress it up or down is the key to mastering that old money look.
- For Casual Days: A classic white or navy polo paired with tailored shorts or slim chinos gives off that “just got back from the yacht” look. Top it off with some clean white sneakers or loafers, and you’re good to go.
- For Something More Polished: If you’re heading out for dinner or an event, tuck your polo into pleated trousers and layer with a blazer. It’s refined but still relaxed — the ultimate old money flex.
Do: Adapt your polo for the occasion — casual and untucked for relaxed days, tucked and layered for more formal settings.
Don’t: Go overly casual with cargo shorts or loud patterns. Keep it classy, always.
Final Thoughts
If you want to channel that old money aesthetic, the polo shirt is a perfect starting point. It’s classic, versatile, and, when styled correctly, says “I’ve got style” without you ever having to utter a word. It’s all about subtle luxury — quality fabrics, timeless colors, and a fit that looks tailored to you.
Ultimately, dressing like old money is about more than just the clothes — it’s about the attitude. It’s confidence, ease, and an appreciation for the finer details. With the right polo, you can channel that same energy, looking effortlessly stylish without ever appearing like you’re trying too hard.
