In a mixing bowl, combine rolled oats and milk to create a creamy base. Add almond or peanut butter, maple syrup or honey, vanilla extract, and cinnamon. Mix well until combined.

Stir in chia seeds or flaxseeds for thickness, ensuring they are well mixed.

Gently fold in mini chocolate chips and crushed nuts until evenly distributed.

Cover the bowl or transfer to jars and refrigerate overnight for at least 4 hours.

In the morning, stir the oats and add more milk if desired. Serve cold, garnished with extra chocolate chips or nuts. Enjoy!