Theres very little said about the afterlife. But I have found that Samuel who lived after God, was brought up from sheol and said to Saul, "why have you disturbed me"
That could mean he was sleeping in sheol, or it can mean he was doing something in sheol another life in sheol perhaps
, that was good or at least good enough for him to say "why have you disturbed me". If he was not enjoying himself he would have thanked Saul for bringing him up. Second reference I found was in the book of Job. This time it dealt with a wicked man, and the wicked man or ghost was wandering around unsatisified lodging and making a home in desolate villages, that are about to collapse.
The gospel says there is no rest for the wicked, so it seems that a wicked man at death is unsatisified for he cannot do much as a ghost and cannot do his wicked deeds and another refernce in the bible is that the wicked avoids the light lest their deeds be reproved. In the flesh a man can hide his wickedness, but as a ghost it seems one cannot hide their wickedness from God, for according to David even if they hide themselves in hell, God is there.
It is uncertain what happens to a ghost concerning Jesus sacrifice, can a ghost repent and be cleansed (perhaps), can they enter heaven without Jesus? Tough question.
Jesus said no man comes to the father except through me.
I personally don't know how it works, if indeed man has a ghost after life, for there are many scripture which say one thing and can also support another thing. E.g do old testament ghost saints such as Samuel have to stay in sheol until, Christ came to give them life. Perhaps. Because Jesus said Now is the dead raised. Also at his resurection many saints arose with him.
But again that assumes they have to wait in the process of time. Perhaps a dead soul in sheol lives in time also and also perhaps has access to the gospel and so the same message applies to them. E.g the spirit of the christ preached to the spirits in prison, so a possilbility that the gospel is also in sheol.