First, decide if you want your figure to be male or female.
Next, arrange the limbs in a natural, comfortable-looking manner...
...always remembering that there are some things the human body simply cannot do.
Special circumstances, such as pregnancy, may be approached with a certain amount of artistic license. If the mom-to-be is self-conscious, feel free to make her stomach just a bit smaller than in reality.
The head should be connected with a graceful, appropriately proportioned neck:
If, however, you find that your head and body do not match up, simply employ the "hand out of nowhere" technique:
Or for that matter, just omit all of the limbs and the head. After all, a well-drawn torso is more than capable of communicating the innate vitality and smooth, vivaciousness of youth:
Thanks, Jessica G., Amy K., Misty S., Lynne T., Jessica S., Julie B., Bianca L., & Brinn M.! Win or lose, these Wrecks are quite the draw.