I suggest starting your research with understanding:
Penrose diagram – Wikipedia
In a nut shell, matter falls to the singularity in a finite amount of time. For the most part if you treat the matter as if it fell at the speed of light relative to the outside observer, you’ll be correct within an order of magnitude. Beyond that it gets tricky. All I can say with 100% certainty is the matter reaches the singularity before the black hole decays from Hawking radiation.
Really what is interest inside the black hole, is how it appears as you fall in. And for that you never actually have a sudden change of crossing the event horizon. From your perspective it is always somewhere in your future, right up util you hit t=0.1s, by which point ever atom of your body has been destroyed.
An external observer sees, the you falling in forever. But just as when we look at distant stars, the observer knows he is looking at the past. The only thing is, from that external observer it is never too late for you to have turned on your rocket engines. It is a calculation that tells them you are at the singularity, not observation. If they calculated with no acceleration, and you used your rockets they could see those activate and you come flying away from the black hole, long after they assumed you were dead.