01 - In a medium bowl or jar, add oats, milk, yogurt, cocoa powder, chia seeds, sweetener, peanut butter, and vanilla extract.
02 - Stir until completely combined, ensuring peanut butter is fully dissolved into the mixture.
03 - Cover and refrigerate for at least 6-8 hours to allow oats and chia seeds to soften and thicken properly.
04 - Before serving, stir again and add a splash of milk if mixture is too thick.
05 - Top with chocolate chips, roasted peanuts, and fresh fruit. Serve chilled.