I would keep the clubs that you have for a while and save your credits. They are fine for your current tier and should carry you well through the Master levels and into Legend.
Upgrading your starter golf ball would make a world of difference for you, if this is what you are using exclusively. It's hard to start paying for golf balls, but you are not really benefitting from the performance that your current equipment can give you.
Some players are able to do very well with starter balls in the highest tiers, but they are few. And I am not one to give out good ball equipment advice... I have used an expensive Nike distance ball for as long as I can remember.
I recommend searching/asking for a best value ball and then getting used to it with the equipment you have. At level 85 you can consider upgrading your irons to the Callaways, which have the meter speed you are looking for, as well as significant performance improvement (with a better golf ball).
-Keith