Heat the base: In a small pot, add 1/2 cup rolled oats, 1 cup milk, 1/2 cup water, 1 tablespoon chia seeds, 1 tablespoon cocoa powder, a pinch of salt, and 1/2 teaspoon vanilla. Stir well to break up any cocoa clumps.
Simmer gently: Bring to a light simmer over medium heat, then reduce to low.
Cook 5–7 minutes, stirring often until thick and creamy.
Add peanut butter: Stir in 1 tablespoon peanut butter until fully melted and combined.
Sweeten: Add 1–2 teaspoons maple syrup or stir in 1/3–1/2 mashed ripe banana. Adjust to taste.
Remove from heat: Take the pot off the burner. Let it sit 1 minute so it’s hot but not bubbling.
Mix in protein: Stir in 1 full scoop (about 25–30 g) of protein powder gradually.
Add a splash of milk if it gets too thick. Aim for a pudding-like texture.
Serve and top: Transfer to a bowl. Finish with sliced banana, chopped peanuts, a few chocolate chips, or a spoon of Greek yogurt for extra creaminess.