Onto specifics. As others have said, you have way too much black going on in that outfit. Black is good for overcoats and that's about it.
Your tie is way too wide for a 21 y/o. If you don't have money yet, go to JCrew and pick up some ties there. They have a decent selection and you won't appear too frumpy or Today's Man.
Your jacket is huge. Guys that don't care about clothes, as you said was you a little while back, generally get clothes about two sizes too large. Banish the word comfort from your style lexicon going forward and that should help.
I like the tie clip. It's a nice touch.
The fact that you only took the top half of your image belies a problem: you should focus on upgrading your shoes first. Other items can come later, but the shoes are the basis of your wardrobe. Buy the best you can afford and break the bank a little for them. You'll make more money after wearing nice shoes anyway.