This is my understanding of the biblical account of thoughts following death. Also, I am not sure where this information is located in The Bible, so I cannot be positive that this information is applicable to both christians and jews.
When an individual dies, his / her soul is placed in limbo, from which there is no consciousness.
Between the moment of death and Judgement day, there is, as I understand, no looking down from heaven onto the Earth watching as your family grows. Time disappears, and before you know it, [as far as I can remember] the trumpets sound, every soul will be raised, and stand before God for judgement.
Although many near death experiences do tend to imply a waking limbo - or immediate but sole progression to heaven [and rarely] hell, that is not what we are advised of in the bible.
I do hope this is accurate, and doesn't go against what you wanted to hear.
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