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Jnana-Yoga 16.14

Swami Vivekananda, in his own words

There on the earth they attach themselves to some cereal which is eventually eaten by some man who is fit to supply them with material to make a new body. The last class, namely, the wicked, when they die, become ghosts or demons, and live somewhere midway between the lunar sphere and this earth. Some try to disturb mankind, some are friendly; and after living there for some time they also fall back to the earth and become animals. After living for some time in an animal body they get released, and come back, and become men again, and thus get one more chance to work out their salvation. We see, then, that those who have nearly attained to perfection, in whom only very little of impurity remains, go to the Brahmaloka through the rays of the sun; those who were a middling sort of people, who did some good work here with the idea of going to heaven, go to the heavens in the lunar sphere and there obtain god-bodies; but they have again to become men and so have one more chance to become perfect. Those that are very wicked become ghosts and demons, and then they may have to become animals; after that they become men again and get another chance to perfect themselves. This earth is called the Karma-Bhumi, the sphere of Karma. Here alone man makes his good or bad Karma.
Swami Vivekananda, Jnana-Yoga
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