Mash the banana. In a medium bowl, mash one ripe banana until mostly smooth with a few small chunks left for texture.

Add wet ingredients. Stir in 1/2 to 3/4 cup milk (depending on how thick you like it), 2 to 3 tablespoons Greek yogurt (optional), 1/2 to 1 teaspoon vanilla, and 1 to 2 teaspoons maple syrup or honey, if using.

Season it. Add a pinch of salt and 1/4 to 1/2 teaspoon cinnamon. These small touches make the flavors pop.

Stir in the dry ingredients. Mix in 1/2 cup rolled oats and 1 tablespoon chia seeds. Stir well so the chia seeds don’t clump.

Adjust the liquid. If it looks too thick, add another splash of milk. The mixture should be pourable but not watery.

Chill and set. Transfer to a jar or a covered container. Refrigerate for at least 4 hours, preferably overnight, to let the oats soften and the chia thicken.

Stir and top. In the morning, give it a good stir. Add more milk if you want it looser. Top with sliced banana, a spoonful of nut butter, nuts, or anything you like.

Serve cold or warm. Enjoy straight from the fridge, or warm it gently in the microwave in 20–30 second bursts, stirring between each.