If you still need to grow in love and increase your capacity to trust Love, God makes room for immense growth surrounding the death experience itself, which is probably what we mean by purgatory. (Time is a mental construct of humans. Why would growth be limited to this part of our lives? God and the soul live in an eternal now.)
If you are already at home in love, you will easily and quickly go to the home of love which is surely what we mean by heaven. There the growth never stops and the wonder never ceases. (If life is always change and growth, eternal life must be infinite possibility and growth!) So by all means, every day, and in every way, we must choose to live in love—it is mostly a decision—and even be eager to learn the ever deeper ways of love—which is the unearned grace that flows from the decision.
—from the book Eager to Love: The Alternative Way of Francis of Assisi
by Richard Rohr