How do I squirt?

When i masturbate i don’t put my finger inside because i’m a virgin and i just get paranoid. My question is, is it still possible to squirt when i’m only rubbing? how do you know it’s coming? how do you know it’s squirt and not pee? I don’t get it. i’m still new to this sorry if i sound dumb but no one has really ever explained any of it to me. can someone explain how the whole “squirting” thing works please