You are in your own house, one that you chose out of all possible houses to spend your savings on and spend most of your life there. This house is bound to your soul quite literally in the form of a mortgage.
Now, the house is mostly empty, most furnishings being unnecessary.
Ghosts don't have to do much in the way of bodily mantainance, however they still need to brush their "teeth." What kind of toothpaste flavor will you try today?