Heat the milk: Warm the milk in a saucepan until nearly boiling.
2/3 cup milk of choice
Add the mashed banana: Add mashed banana, cook together for 5 minutes, then remove from heat.
1/2 small banana
Add the milk chocolate: Add milk chocolate, let sit 1 minute, then stir until melted.
1 1/3 tbsp milk chocolate
Season: Stir in cinnamon and salt.
1/4 tsp cinnamon, 1/8 tsp salt
Mix dry ingredients: In a bowl or jar, mix oats and chia seeds.
1/2 cup rolled oats, 1 tbsp chia seeds
Mix wet ingredients: Pour the cooled banana-chocolate milk mixture over oats and chia seeds. Stir well.
Chill: Let mixture cool to room temperature, cover, and refrigerate overnight or at least 6 hours.
Serve: Stir well before serving.