In a medium-sized jar or bowl, mix rolled oats, cocoa powder, and a pinch of salt until well combined.

Pour in your choice of milk, followed by peanut butter, honey (or maple syrup), and optional vanilla extract. Stir until well mixed.

Mix together thoroughly until the peanut butter is well combined with the oats and absorbed by the liquids.

Cover the jar tightly with a lid or plastic wrap and refrigerate for at least 6 hours or overnight.

After refrigerating, stir well and top with bananas, nuts, or yogurt before serving.