This one I drew mostly because I never remember the difference myself, and I was recently talking to my brother about just this, and he did not remember either. So, I wanted to come up with something that ensured I would not have to google this every time the subject came up. Perhaps it will be useful to others as well, at least I hope so =)

Read a way more detailed explanation on their formation here: https://www.britannica.com/science/stalactite (23.04.2021)