Squirting or peeing?

How do you know if you’re squirting or if you are peeing? Whenever I masturbate I have the sudden urge to “pee” and been told to just let it go but I’m not sure if it’s considered squirting. I know everyone’s bodies are different but I tried looking up videos and everyone’s squirting tends to be clear and is always shooting out. Mine still somewhat has a hint of pee smell and is not clear. How did you know when you squirted?

I’m very anxious because when I’m having sex and I get that feeling, I tend to tell my partner to stop because I don’t want to pee on the bed.. he says just go for it.