Taylor Swift subtly leveled up a simple summer dress with a $27,000 necklace for a day out in New York City

• Taylor Swift was photographed in New York City on Wednesday after three massive shows in New Jersey.
• She wore a black summer dress and numerous accessories, including a vintage necklace from Cartier.

When Taylor Swift says she's "still bejeweled," she means that literally.

After performing three sold-out shows at Metlife Stadium in East Rutherford, New Jersey, over the weekend, the "Karma" singer was photographed in New York City on Wednesday as she visited Electric Lady Studios.

She was dressed for summer in a black cotton dress and a handful of accessories, including sunglasses, a brown purse, and a shining necklace.

But the latter wasn't any old piece of jewelry — it was a gold, diamond-encrusted Cartier piece from the 1980s.

The sparkling jewelry — called the Agrafe Herringbone Twisted Necklace — is no longer produced, but one recently sold on 1stDibs, an online luxury marketplace, for $27,250.

The metallic necklace perfectly matched the gold hardware of Swift's other accessories, including her $450 Waylon slide sandals from Anine Bing, her $200 Indio sunglasses from the same brand, and her gold-buckle belt.

Swift also carried a brown version of the $895 M Frame Box Bag from Mansur Gavriel, which she's carried during multiple NYC outings this summer.

Of course, eagle-eyed Swifties have also looked beyond her outfit.

As many have pointed out, the musician was also sporting a new manicure alongside her simple-yet-expensive outfit on Wednesday.

This time, Swift was alternating shades of purple, blue, and green across her nails.

That said, the shades could be different already. Swift has made a habit of changing her nail color in between Eras Tour shows, switching between rainbow colors that represent her 10 albums to a vibrant coral that seemingly has no significance.

But regardless of Swift's latest look potentially being an Easter egg, it's still a lesson in summer fashion — whether you have a $27,000 necklace to wear or not.