If you haven't finished your Christmas shopping, let’s just rip the bandaid off: you can’t ship something today and have it get there in time for Christmas. Even with rush shipping… it’s just not going to happen. Nicole shares ten last-minute gifts that will get to your loved ones by Monday— and, won’t break the bank. Money Rehab’s Last-Minute Christmas Gift Guide An IRL subscription like with Justin Wine (BONUS, get 15% off your order with code MONEY15); or Factor Meals (BONUS, get 50% off with code MNN50 at factormeals.com/mnn50) A URL subscription (check out the New York Times Cooking App or Headspace) An online course (check out Masterclass or Nicole’s Money School). An experience (check out Uncommon Goods or EventBrite). A roadmap to financial independence (check out Magnifi or Nicole’s book Rich Bitch). A gift they can personalize, without knowing how much you spent! (check out Sugarwish). A priceless conversation with a world-renowned entrepreneur on Intro. A donation to a cause they love, like World Wildlife Fund. Happy holidays!

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“What did the council decide on item 42?” — answered with the speaker and the moment.