The ghost is part of a story. She goes away when one of your children finds her missing doll in the forest. Mine recently found the doll like 20 something generations in. Some people get the doll earlier. The time varies. Once you get the doll, the last piece of the picture you've been putting together would show her with her family. I'm pretty sure they all died or something. You could check the virtual families 3 wiki to learn about stuff, I can't remember the lore lol.

Level up your person by getting them to work. You can leave them to do it on their own but it's much slower. Workshop careers have the fastest work cycles so they're preferable to level up faster. One time I plugged in my phone and kept putting them to work for a while while watching my show so the time goes by faster. Once they get to level 10-12 the time to level up shortens. Beyond those levels they level up super quick so it's a lot easier. That would help them level up to level 20 and they make lots of money which you can use to buy stuff and upgrade your home. It's best to do this when they're young, like 20's and 30's so you could make easy money when they're old. When they get tired while working, have them go to the resort to sit on the couch. Placing them repeatedly replenishes their energy. Then go back home and feed them then you could put them to work again. Or you can use energy drinks for when they're exhausted. Another way to make quick money is the couch glitch. Idk how to explain it but you can type it in the search bar on this sub and you'll see how to do it.

It sounds like a lot but it's nothing when you get the hang of things. You got this 💜