There's the money shot, ladies and germs. The whole reason for "Purgatory". The blood of Jesus Christ does NOT cleanse us from all sin - according to some.
Good works — choosing life
Bad works — sins of the flesh — bad choices.
Not talking about money here, but the choices we make in life.
As I explained above, when a sin is confessed, God forgives that sin. Purgatory is the reparation and restitution that we did NOT do on earth. All souls must be pure before they enter heaven. If the person never apologized for gossiping or other sins to the person hurt — that’s the part of penance that takes place in Purgatory.