DreamDwe11er playing on Xbox needs a bit of storage management, even if you have plenty of spare memory.
I find it helps to clear the library as much as possible. Mine is mostly empty after Xbox Support gave me this tip, it was full of things I'm not going to use like all the premade lots and Sims. How many save games are you running? I never run more than 3 and I'm on Xbox Series X, on Xbox Series S I kept it at 2 max. You can try going into Other Households and clear some Townies too. If you have hundreds of them I've found it causes massive issues. I clear some daily as there are a lot being generated, especially after travelling to public lots. I'm clearing between 10 to 20 at the moment. Clear the personal and build inventories of previous Sims and households. Carrying a lot of full inventories does cause a massive lag. As does a full build inventory on your current house, so if they've moved and brought items with them. I usually sell their furnishings and start again. 64x64 lots can also cause crashing due to the size, so I'd save your game very often.
I'd also try powercycling the console. Switch it off with the Xbox button on the front for around 10 secs until it's shut down completely and the light stops flashing. Unplug the power cable to completely reset the power supply. Wait at least 10 secs then plug it back in. Switch the Xbox on with the power button. I always do that after a crash.
You can also clear your locally saved data and sync up with the cloud again by selecting Sims 4 on your console home screen using the menu button (3 lines) go to Manage Game and Add-ons>Saved Data. You'll see 2 sets of data, pick the set next to your gamertag/username and select delete from console only (this step should be carried out while the game is not running). Then immediately load up your game and it will sync up with the cloud and retrieve your data. That's another tip I got from Xbox Support and I do this daily.
These can help with lagging and crashing.
There's also a bug report open for crashing if this doesn't help and you continue crashing:
[XB/PS] Console crashing after update 2.13 | EA Forums - 12266037