A multi-layer moisture management fabric composite includes a three-dimensional fabric spacer. The spacer forms a first layer of the fabric composite. The spacer has a first facing adapted for residing nearest the skin, a second facing, and an intermediate spacer yarn interconnecting the first and second facings. A plurality of overlying moisture-absorbent layers reside outside of the spacer, and are adapted for receiving and dispersing moisture entering the fabric composite and passing through the first layer. A liquid impermeable jacket resides outside of the absorbent layers and defines an outermost layer of the fabric composite adapted for trapping liquid moisture within the absorbent layers.