01 - In a medium bowl or jar, combine oats, milk, yogurt, cocoa powder, chia seeds, maple syrup or honey, peanut butter, and vanilla extract.
02 - Stir until completely blended and peanut butter is evenly incorporated throughout the mixture.
03 - Cover and refrigerate for at least 6-8 hours, allowing oats and chia seeds to soften and thicken properly.
04 - In the morning, stir again. If too thick, add a splash of milk to reach desired consistency.
05 - Top with chocolate chips, chopped peanuts, and fresh fruit if desired. Serve chilled.