I have seen some profiles that have under their human avatar what their avatar is wearing. how do you do this?

Personal->Edit Profile

IF you have the HA box on your profile already, just find it, then hit the pencil. Then look for "Show Clothes?: Yes No" and click yes.

If you don't have it, click Add Content, find the Human Avatar box add it and save, then do the above step.

That was easy i feel a little slow... Thank you so much

No worries, it really not obvious unless you know. LOL or you're like me and you enjoy poking around everywhere!