I am spiritual, so I personally believe in reincarnation, being born as another human with another story to serve some purpose in the universe until your soul has completed its journey. Of course, lingering regrets can cause a human to not pass on properly and thus chained to Earth for one reason or another.
Growing up I was raised to be Christian but I always thought the idea of dying and going to sit in heaven or hell to be terrifying. It sounded boring and like a prison, so while I believe in a heaven and hell, I do not think your soul gets chained there for eternity after death.
In the end, it's really what you believe in and what gives you comfort!