By the time you turn 40, you’ve probably got your s@#t together. (Not completely; you're still not super clear on the difference between a traditional IRA and a Roth IRA.) Since you’re a boss, your closet should match. Where outerwear is concerned, invest in these five jacket styles to make sure your outer appearance reflects your fab interior.

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Moto

Sure, you could pair your with black skinny jeans and combat boots, but you don’t have to. A zipper-laden moto jacket also looks gorgeous with a midi skirt and statement boots, which tone down the whole tough thing and make for a really elegant vibe.

Get the look: Levi's ($70); Topshop ($177); Madewell ($498)

RELATED: 7 Chic Ways to Wear a Moto Jacket

Denim

The beauty of a denim jacket is that you can wear it with pretty much anything in your closet, from straight-leg jeans (hello, Canadian tuxedo) to an A-line midi skirt. It also pairs just as well with neutral colors as it does with crazy prints and bolder hues. Wear it on its own in fall and spring, then layer it under heavier coats in the winter for a fun pop of texture (and extra warmth).

Get the look: BP. ($51);  Lucky Brand ($80); Rag & Bone ($210)

Trench

The best way to describe this silhouette? Iconic. Pair it with your best business casual during the week, then toss it on over jeans and a sweater for a comfy (but polished) weekend look. It’s elegant and timeless and will never let you down.

Get the look: Michael Michael Kors ($100); London Fog ($133); Burberry ($1,790)

Blazer

Speaking of timeless, a well-tailored blazer is another versatile addition to any woman’s closet. And it’s not just for business meetings. For nighttime, wear it over a silky camisole with skinny pants and heels for an understatedly sexy vibe. To get the most wear out of yours, stick to colors like tan, navy and black.

Get the look: Halogen ($149); Elie Tahari ($171); J.Crew ($198)

Statement

Think of this as the coat version of a showstopping cocktail dress. Whether it’s a bold color or material (or both), this piece is a head-turner. You might not wear it as frequently as you do your tan trench, but you’ll have a whole lot of fun every time you do.

Get the look: Kenneth Cole ($70); Kendall + Kylie ($200); Tibi ($395)

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