My warmest sweater is under $40, I’m wearing a white shirt under because I’m wearing leggings and like a longer layer with leggings - this sweater is sooooo soft that you don’t need to layer under! And it’s my warmest! So good and finially able to link! I’m went medium because that’s all they had but would prefer small ideally so take your rev size LTKFindsUnder50 LTKHoliday LTKGiftGuide