The challenge: be a loafer girl, and not in a "my mom made me wear these saddle shoes" kind of way, which is how lives get ruined. The loafer below, while not inexpensive, is everything I ask for in a shoe in the year 2017: sleek, classic, no-nonsense, a little butch (I 100% believe men get better footwear, and I strenuously object), with a slight platform so at last I can lord it over others. And that thin stripe of brown leather stitching along the footbed is what separates the cow from the herd. FYI, challenge accepted!
See also: on the many virtues of gentlewoman style