thanks for the help guys!
here is a picture of my bike... the seat is like 1.5 inches higher than in the picture but you get the idea.


shorter stem might help. i was interested in frame ideas to think about more long-term, i can't really afford one right now anyway.

i think the top tube is the problem because if i raise the seat so it's more comfortable for me to reach the handlebars, then my feet don't touch the ground. it was the same with different handlebars too. maybe i just have a short torso.