Me, personally, I didn't have a reference when I first drew Benny. I... Wait, I drew him in Happy Tree Friends style first. Ironically, I don't even like Happy Tree (Expletive). Okay, I didn't have a reference when drawing him in my own style, but my guess is that you're trying to go for a more complicated style.
Well, your fursona is a panther, right? All I can say is to look at pictures of panthers and study human anatomy. That's really all there is to it.