That's right, I wore an Underarmour shirt underneath this ensemble. I get cold very easily, and I wear my Underarmour pants all the time, so when I saw an Underarmour shirt at the Goodwill (for $3!!) I snatched it up. I already have one with a mock-turtleneck, so this one I chopped off the turtleneck and sewed it into a scoop-neck for increased versatility.
Gray Shirt: Banana Republic via BR Outlet
Pants: The Merlot via Plato's Closet
Shoes: Champions, free
Underarmour Shirt (not shown): Goodwill