From what I've experienced, with my encounters...not just my own but through readings and other individuals and houses, etc. But your personality carries...
You don't get a "Free-bie" just because you pass over.
You might drop some lead weights...like you're not AS preoccupied, BUT, your negativity or Positivity carries with you - again...personality is pretty much, THUGS or non-thugs. There's no special treatment and if you're attached to the physical world with unfinished business, that energy pools into this world as well.
Yes, this is true. Some people believe that once you depart your physical body, you become some all-knowing angel spirit. Nice thought, but untrue.