How do you tell when you have psychosis or if there is a ghost?

I was trying to sleep last night, but I woke up at 2am and stayed up until 3:30am. I was pretty tired at 2am, but the guy in the apartment above me was snoring REALLY LOUDLY. I've never heard such loud snoring in my entire life (snoring that penetrates through FLOORS), but that kept me up for a while.

I can't tell if I was just overtired from the snoring keeping me up or if it was something else, but I was hearing a man mumbling what sounded like a curse in my right ear. It was like a whisper and the words could not be made out. It does seem odd, though, because there was no one around me. I wonder if it was a ghost? Or maybe this is a mild hallucination. I can tell that something doesn't seem right.

This was the same man who kept whispering "shhh! shhh! shhh!" the other day.

I started hearing the curse around 3am. But ghosts could be real, too. The ghost is starting to become commanding, but I don't want to do what he wants me to do. He keeps