It's a thug life for Taylor Swift!

Green heels and bling for a day out in NYC ... seriously -- do you see that "S" around her neck?! We LOOOVE how Tay accessorizes her preppy look with a gold chain. The snazzy singer dined out at the Spotted Pig in NYC and showed off her thin pins in a matching blazer-shorts combo.

Lest you forget, Taylor Swift fans ... this girl's a thug at heart! ...