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As the title suggests, what level are you? How long have you played to reach that level?
I am currently at level 24, half way to 25. I got the game on release but took a very much 'relaxed' approach to leveling; taking it slow and trying to enjoy each race.
...haha. I couldn't be bothered playing for a week or two so I grinded my B-Spec up, helps a lot though. I spend a lot less and earn a lot more cash with it running in the background.
Grinding B-Spec while I sleep to get the X1 at level 35, might push to level 40 with B-Spec to get the coloured X1s. I find the X1 Challenge too difficult with just a control pad and I'm not forking out a pile of money for the high end steering kit.