01 - In a medium bowl or mason jar, combine rolled oats, milk, Greek yogurt, cocoa powder, chia seeds, maple syrup or honey, creamy peanut butter, and vanilla extract.
02 - Stir the mixture vigorously until all ingredients are well incorporated and the peanut butter is evenly distributed throughout the oats.
03 - Cover the bowl or jar and refrigerate for at least 6-8 hours, preferably overnight, allowing the oats and chia seeds to soften and the mixture to thicken properly.
04 - In the morning, give the oats a good stir. If the mixture appears too thick, add a splash of milk to achieve your preferred texture.
05 - Top with mini chocolate chips, chopped roasted peanuts, and fresh sliced fruit if desired. Serve cold directly from the refrigerator.