I adore this shirt it's very pretty and fancy. I can't wait to wear it to work. I ordered this shirt One-two size above what I normally wear because I know when shopping online for clothes things might not fit right and I was right. I am glad I ordered One-two sizes up because it fit perfectly. If you have a bigger chest I would recommend getting 1 size up. The material lays nicely on my body and doesn't show any fat hanging out anywhere it it is long enough to cover your stomach. The designs are beautiful and the chain is a nice addition which changes it from an ordinary tank top to a fancy fashionable tank top. you can wear it to a laid back job or to church if you wanted. It's really cute and I like it a lot. This shirt actually covers my chest too which makes me like it more! I have too many low cut shirts that flatter me but then show my chest a lot. If you are 20 you can still rock this shirt!