Combine. In a small bowl or jar (I find it's easier to mix in a bowl), combine oats, chia seeds, salt, syrup, 1/2 cup milk, 2-4 Tbsp. banana, 1 Tbsp. peanut butter, 1/2 Tbsp coconut, and the chocolate chips or cacao nibs. Stir to combine, then taste and add additional syrup or milk, as desired.

Transfer to a jar or container and cover. Refrigerate at least 30-40 minutes, up to overnight.

Serve & Store. To serve, add a little drizzle of milk, if needed, then top with remaining banana, a little drizzle of peanut butter, and a sprinkle of coconut and chocolate chips/cacao nibs. Oats will keep in an airtight container in the fridge 2-3 days (getting softer each day).