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!