But cue the silver bells because we’ve made coming up with gift ideas easier for you this year. Our holiday gift guide will help you find the right gift for even the trickiest person on your list—naughty or nice.

Gift Ideas for Everyone on Your Christmas List

For the Person Who Doesn’t Want to Be Buried Under Student Loans

All you want for Christmas is for your kids to go to college debt-free? Done. Well, we can’t foot the bill for you (sorry), but we can give you the tools you need to make it happen! Anthony ONeal’s brand-new book, Debt-Free Degree, teaches parents and students how to pay for college without debt!

But don’t worry. It’s not a stuffy how-to guide. It’s an encouraging playbook that gives practical steps to get through college without taking out a single student loan. C’mon! Not even Santa could deliver that.

Want to take it up a notch and help the young adults in your life get ready for all the important decisions coming their way? Check out the College 101 Bundle. It includes Debt-Free Degree and The Graduate Survival Guide. No incoming college freshman should leave home without these tools.

For the Dreamer Who Wants to Reach Their Business Goals

The first step to making your goals a reality is writing them down. This gives them life! Suddenly, they exist outside of your own head. And because they’re written down, you can actually stay accountable as you work toward achieving them.

Keep track of your business goals with the brand-new Business Boutique 2020 Goal Planner. The planner features the exact method Ramsey Personality Christy Wright uses to map out her days, capture new ideas, and set business goals for the future. This is the perfect gift for someone who wants to start or grow their own business in the new year!

For the Person Who Likes to Stop and Reflect

In our world of comparison, instant gratification, and perfectly curated social media feeds, gratitude and contentment have become something of a lost art. And if you aren’t intentional about cultivating a heart of thankfulness, it can be easy to get swept up in all the madness. No one wants to live like that! So help give the gift of gratitude this Christmas with The Contentment Journal.

If you think this is just another blank-page journal with a few generic prompts sprinkled in for good measure—think again. This journal walks the reader through 90 days of engaging and thoughtful prompts to help cultivate a heart filled with contentment.

We totally get that this is the kind of gift you might be tempted to keep for yourself. If that’s you, just grab The Contentment Journal two-pack! You can give one as a gift and keep the other—we won’t tell.

For the Person Who Needs to Go After Their Dream Job

Life’s too short to spend it hating your nine-to-five. Do you know someone on your Christmas list who really needs to give their current job the boot? Sure, making a job change can be easier said than done. After all, the ideal career won’t just fall into their lap. But all any job seeker needs is an intentional plan. In The Proximity Principle, Ken Coleman walks through that plan and shares the action steps you can take to go from wanting to land a dream job to actually sitting in the seat, living the dream.

For the Person Who Wants to Change Their Family Tree

It’s no small feat to draw a line in the sand and say, “No more debt. This stops with me.” It’s a big deal. But having the desire to change isn’t enough. You need the tools to get the job done and help you stick with it when things get tough. Grab Dave’s #1 bestseller The Total Money Makeover for the person who’s looking for a game plan to ditch debt and make their money work for them.

Know someone who’s already punched debt in the face and has their sights set on becoming a millionaire? Gift them Chris Hogan’s book Everyday Millionaires. In it, Hogan sheds some light on millionaire myths you may have heard over the years and equips readers with the tools they need to become everyday millionaires.

For the Family Who Wants to Stop Living Paycheck to Paycheck

Help them make 2020 the year they put an end to just barely scraping by and living off credit cards. Gift the proven plan that has changed the lives of nearly 6 million people!

A membership to Financial Peace University will set them up to make solid choices to win with money. They’ll learn how to master budgeting, pay off debt, build wealth, and give generously.

Best of all? This year, we’ve bundled Financial Peace University with Dave’s bestselling book The Total Money Makeover! But we didn’t stop there. We also bundled it with Anthony ONeal’s brand-new book, Debt-Free Degree. Yeah, you could say we’ve sweetened the deal.

For the Teen Who Doesn’t Want to Work the Typical Summer Job

Do you have a mini-CEO in the making—a kid who isn’t content working for someone else and wants to be their own boss instead? Awesome! But if you’re not an entrepreneur yourself, teaching your teen about business can feel a little daunting.

That’s why we created the Teen Entrepreneur Toolbox to walk you both through the process step by step. Your aspirational teen will learn things like how to come up with their business idea, how to talk to customers, and how to set goals for the good of their new company overall. If they get started now, they’ll have plenty of time to get things up and running by the time school is over. Look out, summer 2020!

For Your Sister Who Should Have an Etsy Shop

Does she always talk about how she wants to start her own business but has no idea where to begin? Sure, with the help of the internet, anyone can make a business in 3.5 seconds—but then what? Christy Wright’s book, Business Boutique, is what every entrepreneur needs to get their business off the ground. It walks aspiring business owners through the steps that are key to their success. Plus, the new Business Boutique 2020 Goal Planner will make it even easier for them to stay focused on making their dreams a reality.

For the Person Who Needs a Little Nudge in the Right Direction

Most of us have that person in our life. You know, the one who has every gadget and gizmo under the sun . . . but we bet they don’t have this! Help them start Dave’s plan with his #1 product bundle, The Starter Special. It comes with some great getting-out-of-debt staples like The Total Money Makeover and accompanying workbook; Love Your Life, Not Theirs; Retire Inspired (audiobook); The Deluxe Envelope System; EveryDollar’s Guide to Budgeting PDF and more! It’s the perfect way to learn how to be smart with money.

For the Person Who Needs a More Enjoyable Daily Commute

Do you know someone with a two-hour round-trip commute each day? First off, we are so sorry for their pain—really. Now, here’s where you come in and save the day! Step up and give them a gift to help pass the time while they’re stuck in the car. And we’re not talking about a fidget cube.

Gift them one of our audiobooks! They can inspire the commuter to make decisions that will change their lives now and impact their legacies for years to come! Plus, who can resist a car ride listening to Chris Hogan’s booming voice? Sign us up for that commute!

And this year, gifting an audiobook is better than ever with the brand-new audiobook gift card for The Total Money Makeover. We’ll send you a gift card for the download so you still have something to wrap up or slip in their stocking! How’s that for making spirits bright?

For the Person Who Hates Reading Books

Well, you could go the audiobook route for them too, or you could give them the gift of an experience. Who doesn’t love that? Get them a ticket to one of our upcoming life-changing live events! We’re going to be all over the country in 2020, so there’s a good chance we’re coming to a city near the nonreader in your life.

Maybe you’d never get them to read a copy of The Total Money Makeover, but you can probably get them to go to an event that feels like a big party, right? At our events, they’ll learn to get out of debt, build wealth, and change their family tree forever. That kind of gift is priceless!

For the Kids Who Want Everything for Christmas

Don’t be Aunt or Uncle Scrooge this Christmas. Set your little niece or nephew up for a lifetime of success. Choose the Adventure Pack! This bundle includes Financial Peace Junior, a storytime book set, Junior’s Smart Saver Bank, games and more! They’ll have fun learning about money principles and values that help form a solid foundation for the rest of their lives.

For the Stocking Stuffers and Secret Santa Gifts

Sure, you could wrap a roll of toilet paper for Secret Santa or drop some candy in a stocking like last year, or you could give something meaningful like a gift from Dave’s $10 Sale. Now’s the time to grab that book you’ve had your eye on! You’ll find some great staples, like The Total Money Makeover and EntreLeadership, plus new additions to the sale like The Graduate Survival Guide and Everyday Millionaires.

And there you have it! We hope our holiday gift guide helps you find some practical, meaningful and affordable gift ideas for everyone on your list. Make a purchase in our online store, then sit back and relax knowing someone will unwrap the gift of hope this season. We bet they’ll appreciate it way more than another itchy sweater.

Still stumped on your gift search? Use our Gift Finder to help you find the perfect gift this Christmas!

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