I don't know if you're using a reference (I hope you are!), because you should be! If you need to, add a reference as a background image to get the overall head to body ratio correct. Yours look a little too short.
(general idea of what I'm talking about -- the adult female in your case)
I can't comment on the minute anatomy since I'd need to look at references of the female musculoskeletal system, but the legs need a lot more love. Her legs have all sorts of bumps that shouldn't be there and no real underlying muscular structure. Her back also has no real muscle structure underneath. Those stand out the most among other problems.
Sculpting a nude female will be much easier to get everything right! You don't have to sculpt details (like nipples and the privates), but doing a clothless sculpt will be much more beneficial to your learning. It's just the human body, nothing to be embarrassed of!
There are a lot of stock resources of nearly nude women (just underwear and bra) if you're uncomfortable looking at fully nude women. Ultimately, your anatomy textbook will probably be the most useful.
Also, it will be much easier for posing if you make the character into an A-pose, with the arms slightly outstretched rather than close to the body!
I hope this wasn't demotivating, just keep practicing -- practicing the right way! -- and you'll see improvements with each new attempt!