Id start with comfy/cozy visuals and then add in indie elements, The colour pallette is pretty similar but use medium dark but saturated colours (not oversaturated though). Comfy/cozy is usually inside a bedroom or living room, so you could swap out decor for indie motifs such as guitars and records, posters, various grungy junk, etc. for clothes I’d pretty much stick to indie stuff with more sweaters. hope this helps :)
