So I do believe this is supposed to be worn as an actual skirt set, it includes the little panties that you see under the knit skirt, but I'm just not that daring and I'm older, but as I plan to wear this over a swimsuit on a winter vacation somewhere in the future it's absolutely adorable. I purchased a size up by 1 from my usual size of 2x to a 3x and the top although it's asymmetrical crop on the models, it dosen't fit me as one and I'm 40DDD, the skirt fits true to size a little loose which is how I wanted it to fit and it's just above my knees. I'm 5'3 198lb. so If you want a snug fit but still comfortable, go with your regular size and if you want a loose fit go up 1 or 2. so worth it, the only downside is the little rings have a little gap in them and snags on itself so be mindful of that and hand wash, lay flat on a towel to dry!