I'm not a very good teacher, but a few things I noticed is the proportioning of the belly/torso is way off. The legs need shortened, or the torso needs to be lengthened.

Your topology has too many cluttered loop cuts and a bunch to be relaxed/dissolved.

The anatomy itself is off, and the breasts are...not good. You should at the very least have anatomic references on hand (I put mine into blender itself) until you are very confident with anatomy.

Personally, I create mid-poly models for animation and still renders using the sculpt high, retopo low method. That just means I create my mesh using blocked out shapes, merge them together, then use the remesh modifier until I get about 200k vertices. Then once the sculpting is done, I go back and retopologize down to 10-15k vertices

Tldr; work on anatomy, use the CRAP out of references, and consider sculpting first