I am riding a lot in the winter time and I have been doing an OK job at keeping warm but one thing bugs me and that is when I have a head wind, the wind that hits my chest takes it out of me.... breath and I start feeling cold. I have two or three layers on plus a wind breaker. Is there something I can do to prevent this?

When watching the Tour de France, I noticed riders putting news papers under their jerseys. Perhaps that is to cut the wind?

Is you whole chest cold or just your stomach? My stomach gets much colder than the rest of my upper body, to the point it practically feels like ice. Wrapping a scarf around my stomach works well as another full upper body layer would be too much.

I like windproof fleece vest... not a jacket. The newpapers are for wind breaking, yes.

I also use a fleece vest similar to what electrik suggested, under my shell (wind resistant layer) when I have trouble keeping my core warm compared to the rest of my body. If you are cold all over, you might want to reconsider your layering plan. What style of garment and choice(s) of fabric are you using for your base and insulation layers? Do you get cold all over, or just on your chest. A vest might work well if it is just the front of your torso that gets cold.

You might want to consider a couple of things. First try a pair of bib tights. It traps more heat around your core than waist high tights do. At the very least try tucking your layers (except the jacket) into your tights. This traps heat a bit less efficiently but it still helps.

Try adding a balaclava. You don't necessarily use it to cover your mouth but to cover your neck and trap heat around your chest and throat.

For my upper body:

Balaclava
underarmour base layer
jersey
wind breaker (a bombers jacket)

lower half:
bibbs
underarmour pants base layer
wool socks
neoprene socks
shoes

I dont mind about my stomach because I am all fat down there. My chest bugs me.

You may want to add another layer on your upper body. I usually wear a short sleeve jersey under a base layer with a second longsleeve jersey on top. You may want to add a layer that is heavier than the Underarmor base layer depending on the wind speed. I have an Underarmor long sleeve shirt that is pretty light.

I'm not sure what you mean by a bombers jacket as a wind breaker. Is it a brand? A 'bomber's jacket' used to be a fleece lined leather jacket used by crews in WWII high altitude missions in unheated aircraft. But I wouldn't necessarily suggest them for bicycling.

Not all 'wind breakers' are equal however. I find that higher end bicycle specific jackets like the Pearl Izumi Zephyr do a better job of being wind resistant than jackets you might buy at Dick's Sporting Goods or HelMart. They seem the same but the function differently.

Are you getting wet and sweaty and then cold? I found that the underarmour type stuff starts getting pretty cold once it's wet. And if your windbreaker does not breathe well your sweat may be the real cause. I find that wool works best for me by itself unless it's really windy or wet. My goretex windbreaker can become quite the sauna sometimes. For temps down into 20s I get by with a wool base layer, wool jersey, and wool hoodie. Picking up a wool vest soon for the even colder days. Once great too is those 3 layers keep me warm in 20 degrees yet I can do a long climbing ride in 40 degree temps and not get hot. The stuff is great.

Many bikes are setup with hands spread far apart to gather all the wind. A narrower hand position will enable you to slice through headswinds. Use clip-on aerobars rather than bar-ends.
Pick a suitable winter grade windproof with a high collar and low back, well sealed at the waist, cuffs and neck. Add a buff to seal the neck. Make sure the material is breathable but windproof by breathing through the fabric.
For some extra insulation , short term, use an insulated sleeveless gillet rather than newspapers. You can zip this OVER your windproof. Most insulation is used under a windproof but removing it is a real hassle. I have used fleece gillets and lightweight insulated ones (Golite) and they both help. Some people use windproof gillets for a smaller amount of extra protection.

A gillet is a vest for those that are wondering

No no, it's a razor to shave your chest!

I think you want a vest. Vests, really. If it is well below freezing, a down vest keeps the chest happy. But you have to wear this as your very top layer so it doesn't get sweaty, over the wind breaker, not under the wind breaker. Close to freezing, a fleece vest plus a wind vest. Above freezing, fleece or wind vest. The combination of fleece vest and wind vest works quite well for me.

When being warm is more important than great aerodynamics I opt for my ski jacket over a couple jerseys when riding on the worst wintry days. Only my belly skin feels a bit cold after my 55 minute commute.

Jackets are ok when things get really cold, it's like a layer, but a vest takes advantage your body's natural heat management style, which is torso first. You can wear a really warm vest instead of a warm jacket and your sweat won't be that bad and you may notice your arms and legs are warmer, provided you've got them protected from the wind.

I find keeping the neck protected can offer big improvements and is something people miss.

I use a tyvek delivery envelope between base layers, new or used. I got all my layers, but my stomach still gets cold. Use the tape, cover the stomach and tuck into waistband.

You could try this base layer. The windstopper close to the skin works really well.

https://www.wiggle.co.uk/craft-zero-e...ve-base-layer/

I have a down vest, but haven't needed it so far. I find double tech layers under a wool sweater (not too heavy) under my cycling jacket has been fine, but I was having the cold chest problem, I'd throw on that vest. That'll stop that, for sure, I'd think.

Either couple layers of newspaper or the Tyvek mailing envelope are great wind stoppers and easy to dispose of when done.
Been using the newspaper layer since the 1970s . . .works!