Preheat oven to 350

Melt butter in skillet and cook the onions and garlic, remove from heat, season with salt and pepper

While the onions are cooking combine the milk, bread and ritz in a large bowl

Add the cooked onions, stir, and let the mixture soak for 10 min.

Add the egg, sour cream, half of the can of tomato sauce, worcestershire sauce, and stir

Add the meat and combine

Transfer mixture to loaf pan, bake uncovered for 40 min. Increase temp to 400 and continue cooking for another 15 min

Add the ketchup to the remaining tomato sauce, then pour over the loaf and bake for another 10 min.