I used to wonder this too. For me it takes ages to initially look polished but not much time to maintain it. Kind of like having a messy house, it takes ages to declutter and clean it the first time, but only a 30-40 mins daily to maintain it using the organised mum method.
So at the moment I'm not looking polished because I've recently had a baby and am out of sync with my grooming routines. But once I'm ready, I'll do a big grooming "haul" and get back in my routines again.
Grooming haul : consists of facial, eyelash extensions, mani & pedi, eyebrow threading, big shave
, washing make-up brushes, choosing low maintenance hair cut/ style & getting necessary products for daily maintenance, restocking up on make-up, checking which clothes fit & restocking capsule wardrobe in correct sizes etc. Sounds expensive... It kind of is but some of the stuff you can do yourself (I.e. mani/ pedi, eyebrows, facial) and some you can do cheap (buy new clothes second hand).
Daily routine : after that is easy for me... morning & evening face routine with cleansers/ moisturizers & primers (5 mins); makeup routine with tinted moisturiser but impeccable eyebrows & lips & my eyelash extensions done so no need for mascara (15 mins); choosing outfit easy because with my capsule wardrobe all my clothes match and I tend to buy clothes that don't need ironing (5 mins); Hair gets styled in the evening before bed as I have curly hair (15 mins) & in the morning I take it out, spray with water & apply leave in conditioner & hair spray if needed (5-10 mins)
Weekly routine : shave legs once a week in shower, more in summer; armpits twice a week; wash & deep condition hair once a week; Pluck eyebrows myself once a week to maintain the shape of the threading.
Fortnightly routine : manicure- use an app for mobile beauty technicians so they come in eve when babies are in bed
Monthly routine : pedicure and eyelash extensions; wash make-up brushes
Ad hoc as and when needed : Facial, hair cut and/or styling; eyebrow threading
My capsule wardrobe : consists of skinny jeans in various colours, coulette style trousers, wrap & shift style dresses, thin jumpers & tops in white, grey, black, khaki and navy. Long oversized cardigans. Long coats, blazers and jackets, then I layer layer layer. I've learnt that looking polished with clothes is all about wearing clothes that fit properly... so not too tight, and really spending time thinking about what styles and colours suit your body. So I know through experience that due to my broad shoulders the peplum top style looks great on me, but the bardot top style looks awful.
I hope this helps. Just thought I'd post my thoughts on looking polished. It takes work but not as much daily work as you might think. It can be expensive but you can offset the costs by doing some of it yourself.