Of all people, misers are the vilest and think the least about life after death, the soul, and the inner being. They do not even know what heaven is. This is because of all people they do the least to elevate their thinking, which they completely saturate and drench with bodily and earthly preoccupations. The result is that when they enter the other world, for a long time they fail to realize that they are spirits, remaining firmly convinced instead that they are still in the body.
Their thoughts, dragged down to the bodily and earthly level by their greed, turn into dreadful hallucinations. Strange to say, but true, in the next life the grossly avaricious seem to themselves to live in cellars where their money is stored and where they are overrun with rats. Despite the rats, they do not leave until they grow unbearably tired of the situation, at which point they finally emerge from these tombs of theirs.
from Secrets of Heaven, Volume 1, Section 938