What exactly *is* squirt/cream?

Weird one so bear with me for a sec. Basically I've been hooking up a lot recently with this girl I met on tinder and while the sex is absolutely phenomenal (I'm so sorry downstairs neighbors) she gets really creamy while fucking and tends to squirt when she cums which leaves my sheets and carpet pretty messy. While I was cleaning up today I realized that I don't actually know...like, what sort of substance ig that stuff actually is? I knelt down and smelled some of it that she left on the skirt of my bed out of PURE curiosity (and not some weird fetish shit I promise) and it's like, kinda funky? Is it pee? Is it cum? Idk someone solve the mystery.