kinda a dump cs i’m confused😅

this is pretty embarrassing for me, im uneducated in this so sorry if this is stupid. im pretty young (16f) and ive been masterubating and the ONLY way i get get any pleasure is by my clit (basically js rubbing it) the second i try inserting my fingers in, it hurts so badly and i immediately get all dry and i clamp up. it ruins everything, even if i was fine and close to finishing. i try to get in the mood, mentally and stuff, and im always relaxed down there until i try and insert my fingers. do i js need to keep going regardless of the pain? idk if this is relevant but im a virgin. i’m not sure if it’s normal to hurt. and also embarrassingly, i’m not sure HOW to masterbate properly. it feels like for everyone else it comes naturally and im js not sure to do it without it being uncomfortable or being able to finish properly. i’ve only ever squirted, never fully finished and idk what im doing wrong. please help cs idk what im doing