I have recently finished "Gravity from the Ground Up: An Introductory Guide to Gravity and General Relativity". Great book, but I am confused about the behavior of time at the event horizon of a black hole. I spent some time looking at existing threads on this site, but was unable to find clarification. I read repeatedly, that from the perspective of an outside observer, time will stop at the event horizon. So if I am watching something fall into a black hole, it will seem that it stops at the brink of the precipice and I will not actually see it cross into the abyss. I understand that this statement is not fully true; I would not see the something frozen in time. Instead, I would see the red shift of any light to longer and longer wavelengths. My question: Time will stop at the event horizon, so from the perspective of the outside observer, nothing actually ever falls into the black hole. Does it all just accrete at the event horizon?