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Your thoughts? Beliefs? Do you have a plan? Or is there nothing afterward?

I believe what you are getting to is "The Romans Road".
Romans 3:23-Man's need. "For all have sinned and fallen short of the glory of God".
Romans 6:23-Sin's Penalty. "For the wages of sin is death, but the gift of God is eternal life in Christ Jesus our Lord."
Romans 5:8-God's Provision. "But God demonstrates His own love toward us, in that while we were still sinners, Christ died for us."
Romans 10:9-10-Man's Response. "If you confess with your mouth the Lord Jesus and believe in your heart that God has raised Him from the dead, you will be saved. For with the heart one believes unto righteousness, and with the mouth confession is made unto salvation."

Well, to be honest, I'm unclear on the matter. On the one hand, I'm sure that the consciousness or 'soul' exists beyond the point of physical death, because I have interacted with dead folks in the past. That assures me of at least that much. As for the specific nature of the post-mortem, I couldn't say. Having no memory of what it's like to die (not an implication of reincarnation; I suffocated twice when I was very small), and having never actually asked a dead person what's back there behind the curtains, I don't feel I have enough data to be entirely certain. If I had to guess, though, honestly, I'd say that one does not reach an afterlife until one comes to terms with and accepts one's death. Before that point, one stays right here on Earth. Thus, hauntings. After one becomes aware and acceptant of what has come to pass, each person probably gets their own little corner of some astral plane to mold into whatever they feel they deserve. For example, a suicide would most likely form a void, whereas a devout Christian would enter a Heaven. I suppose that's really a reconciliation of everything, isn't it. Perhaps that's really just an attempt by me to justify the fact that I don't know what happens, through creating a virtual all-inclusive afterlife. Either way, it's the best I've got for now. I'll probably never be entirely sure of what happens until I die.

My old science teacher once gave me a very good analogy for reincarnation. He said that the body is sort of like a car. Eventually, the car will break down, get totalled, or somehow just stop working. After that happens, you'd eventually go out and get a new one, right? Same basic principle, with the carless periods being the afterlife.
I am also of the opinion that during the process of integrating the soul into the body, mistakes can be made.

On a side note, I liked that teacher. His name was Mr. Strange, and he once told me that he passed up the opportunity to get a doctorate's degree for the fact that it would've meant his title would be "Dr. Strange."

I don't believe there's any such thing as "life after death". When you die, it's over. Kind of sucks, but we can still enjoy life to the fullest, knowing it's our only one and it matters the most.

I would also like to add a wonderful quote from Mark Twain:

for years, I was raised as a Baptist. For a little bit, I was Episcopalian. In both churches, it was the usual--if you live a righteous life, you go to heaven. You meet God, see old family members, etc. A big part of me still believes that even though I haven't been to church in a long, long time. I guess it's just very comforting.

So, that's what I believe in. 3nodding