I am 48 and often wonder this same thing noticing people I work with are struggling too. You are not an old lady and shouldn't dress like it. Here are my guidelines. I ask myself the too questions... is it too short, shows too much skin, straps are too thin, too tight etc. I wear what the 20 somethings wear but the grown up version of each item. Take a look what they are wearing and see how the basic look could be achieved but with a bit more "class", example instead of low ride jeans with torn areas, I wear dark wash jeans that are just below my natural waist and have slightly faded areas on the front of the thighs. If they fit great you will look great. T shirts, I don't wear the ones with words on because I don't want attention to that area so instead I wear well fitted tshirts and a statement necklace. Good Luck.