In a medium bowl or mason jar, add rolled oats, milk, Greek yogurt, and chia seeds. Mix thoroughly until creamy.

Stir in maple syrup or honey until evenly distributed for added sweetness.

Cover with lid or plastic wrap and refrigerate overnight, allowing oats to soak.

After soaking, remove from refrigerator and spoon into serving jars or bowls.

Spoon a layer of chocolate pudding or spread over the oats.

Sprinkle mini marshmallows and crushed graham crackers over the chocolate layer.

Toast marshmallows lightly under a broiler or with a kitchen torch for 1-2 minutes.

Add any additional toppings if desired and serve immediately.