must just be the colors and the kids that keep me alive...
The problem is you are not looking close enough, you think her skin is peachy, her hair is blonde, and then you make your palette based off what you registered. Look again closer, and examine the shadows the highlights. There's color in those shadow and highlights they aren't just darker and lighter versions of those skin color, they have colors all to themselves. They have hints of blues and reds and greens. And not only that but they are on the warmer side and not the cold side, she is a living breathing warm human. Your colors are lifeless, on the colder side, mostly unsaturated, its like you applied blush on a corpse, its freaky, no offense.
Here take a look for a second
The colors are a bit exaggerated here, but notice the difference, the image feels full, the contrast between the colors makes it pop out more. Warm colors come at you, cold colors recede, remember that, it pushes and pulls the figure.
You might not actually see blues or greens but they are there. When you start out painting, there is a tendency to gloss over colors, rather than looking you quickly register what color should be there.
If anything it's just good to vary the colors in your highlights and shadows.