What You’ll Need
Gold Rimless Rectangular Glasses Frames
Diamond Stud Earrings
KMH Exclusive Blinged-Out Gold Furby Pendant
Black Leather Blazer Button Trench Coat
Gold Polo Shirt
Black Pleated Dress Pants
Black Loafer Dress Shoes with Braided Loops and Metal Ornament
Black Dress Belt with Gold Designer Buckle
Gold Watch with Red Face
Gold Cuban Link Bracelet
Howard Ratner’s wardrobe centers on the aggressive, high-contrast style of New York’s Diamond District in 2012. The outfit pairs classic tailoring with flashy streetwear sensibilities: a mid-length black leather coat worn over an electric gold knit polo, grounded by pleated black trousers and loaded with ostentatious gold jewelry.
Pulling this outfit together relies heavily on balancing surface textures and proportions. Matte fabrics fail to reflect light the way leather and polished metals do, so setting those glossy surfaces against a saturated yellow knit creates the exact tension that defines his appearance.
The Leather Coat and Polo Shirt
Howard’s outerwear is a black leather button coat falling to mid-thigh, functioning somewhere between a three-quarter trench and an elongated blazer. It features notched lapels, front button closures, and a structured shoulder line that hangs slightly loose over the torso. When sourcing a substitute, prioritize mid-weight leather or faux leather with a subtle sheen rather than distressed or motorcycle-style cuts. The clean front and blazer collar separate it from an ordinary overcoat.
Underneath, Howard wears a saturated gold polo shirt tucked firmly into his waistband. The shirt has a ribbed collar and short sleeves, with the top buttons left undone to leave space for his neck chains. A rich mustard or marigold yellow works best here, as pale pastel yellows or neon tones disrupt the sharp contrast against the dark leather.
Trousers, Belt, and Loafers
The lower half of the outfit keeps to traditional formalwear lines. His black dress pants feature forward pleats, which give the hips and thighs extra volume before tapering gently toward the shoes. Flat-front trousers lack the drape of early-2010s tailoring that defines Howard’s silhouette.
The trousers are secured with a black dress belt featuring an ornate gold designer buckle. Keeping the belt tucked through standard dress loops ensures the buckle sits centered directly below the unbuttoned polo placket.
On his feet, Howard wears black leather dress loafers accented with braided loops and a gold metal ornament across the vamp. Polished dress shoes with a low heel maintain the proper formal baseline, contrasting against the casual polo up top.
The Furby Pendant and Jewelry Stack
No piece in Howard’s collection is more specific than the iced-out gold Furby pendant. Created as an exclusive custom showpiece, the pendant depicts a classic Furby fully paved in clear stones with green gem eyes, hung from a heavy gold link chain. While an exact replica exists through specialized releases, any oversized gem-encrusted novelty pendant on a thick chain communicates the same loud jeweler aesthetic.
The rest of the jewelry reinforces his trade. Small diamond stud earrings sit in both earlobes, catching light beneath the hair. On his wrists, he stacks a heavy gold Cuban link bracelet alongside a gold dress watch featuring a bold red dial. That deep red watch face provides a subtle burst of secondary color against the gold and yellow tones of the upper body.
Eyewear and Grooming
Howard’s eyewear consists of rimless rectangular frames with thin gold metal arms and a minimal gold bridge. The rectangular lenses are small and frameless along the perimeter, sitting cleanly on the face without obscuring the eyebrows. Heavy acetate or thick wire frames change the face shape too drastically; the lightness of rimless glass is critical to his look.
His hair is combed straight back with pomade for a wet finish, cut short at the sides with neat edges around the ears. His facial hair consists of a tightly trimmed mustache connected to a small goatee along the chin, kept neatly outlined with clean-shaven cheeks.
