Thanks! Great suggestions, all. I appreciate the honesty and attempts at help.
I think I need more guidance to get this look right.
Nicole -you're right. It was very cold this week, so I had the grey layer underneath. The way I had it, I think it would only work for very casual Sunday - (bookstore, coffee shop, etc.) Maybe worn with Cons. I did not feel it was smart casual, but I was hoping it was kinda "rock 'n roll." But to be honest, I don't think I'm really a "rock 'n roll" kind of gal, even when I try!
I think you guys are right - there needs to be some interesting contrast. Antje nailed it with her t-shirt, which had visible graphic at the bottom. I also liked Nicole's green t-shirt - the color was nice at the bottom of her cardi. I couldn't find anything similar to those t-shirts at my mall, except for a regular solid colored t-shirt, which didn't seem to be the look I was after.
It's so funny - after a year of YLF and thinking "I have to step it up from T-shirts! No T-shirts!" now I am actively looking for a T-shirt. It feels like a trick, LOL!
Back to the drawing board!