I think I may be getting confused by all this

Someone above said squirting is not cum, but ejaculate and I was wondering what the difference was between the two?
For me, when something (a dildo, my finger, my boyfriends finger or penis) is caressing against the inside of me as I orgasm I squirt a little clearish, slightly white, mostly tasteless, odorless fluid, probably 1/2 a teaspoon or less. If it is just me using my finger, I can feel it slide past my finger and squirt sometimes on to my inner thigh.
With dildo or his penis I feel it happening inside me but I just get the wetness inside it doesn't project. Is this female ejaculate or something else entirely? Doesn't happen during clit only stimulation.