If you have equivalent or spiritual money, you can choose heaven in which you will rest.
When soul leaves body, it comes to trial, where it is possible to express your will. You can pay money or equivalent to get to most beautiful heaven.
If you have neither money nor equivalent it is high time to earn it. There are employment exchanges where you can ask for job. For example such as Askara. You can for example ask for burden on heart say for 7 years. Some can bear 3 years, some can bear 9. Load on heart is most easy way to earn equivalent.