Time appears to slow down for an observer falling into a black hole as seen by a stationary observer due to the effects of gravity on time dilation, but this does not mean the falling observer's actual speed decreases. The falling observer perceives their own time as normal while witnessing the universe speed up around them. From the perspective of an outside observer, the falling individual seems to slow down as they approach the event horizon, but they continue to fall at their initial velocity. The concept of speed is relative, and both observers' experiences are valid within their respective frames of reference. Ultimately, the complexities of black hole physics challenge our understanding of time and speed in extreme gravitational fields.