Step 1: Prepare the Jell-O
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Pour boiling water over the Jell-O mix and stir for 2 minutes until completely dissolved.
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Add cold water, then refrigerate 15–20 minutes until thickened but not fully set (syrupy consistency).
Step 2: Make the Creamy Base
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Beat the softened cream cheese until smooth and fluffy.
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Gradually add sweetened condensed milk, mixing until lump-free.
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Gently fold in whipped topping until light and airy.
Step 3: Create the Marbled Effect
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Pour the partially set Jell-O into the cream cheese mixture.
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Fold gently with a spatula—stop before fully blending for a beautiful marbled appearance.
Step 4: Add Fruit and Chill
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Fold in drained peaches or mandarin oranges.
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Transfer to a 9×9 pan, glass trifle bowl, or decorative mold.
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Cover and refrigerate at least 4 hours, or overnight for best results.
Step 5: Garnish and Serve
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Serve chilled. Top each portion with whipped cream, a cherry, or chopped pecans for extra flair and texture.