My First Female Body Semi-Nude (Help Needed)

Not to Long ago, I modeled, a head now I’m trying a body as my second model ever. This is for practice purposes only, since I just started learning 3D.

Anyways this is what I have so far (Pictures Below). Looking at these I feel as if I’m missing something, and a lot feels off. lol I’m my own worst critic so, I’m kinda picky for a complete newbie. I like to get things right. But anyways, the knees, buttock, groin, under the arm, behind the knees, thighs and definitely the boobs, and/or breasts, seems off.

I was wondering if anyone knew of a tutorial or dvd for modeling bodies, the proper way? NOTE: I modeled this Subdiv Style, the only style I’m familiar with so far.

Thanks a lot for your help Blender artists! If I can I’ll return the favor sometime.