Add all of the remaining ingredients except for the milk to the bowl.
Add the milk a little at a time, mixing with whisk or fork, until evenly incorporated.
Evenly spoon the mixture into 4 individual glasses, jars, or containers.
Cover and refrigerate for at least 4 hours, or overnight. Before serving, top with optional ingredients, such as banana slices, peanuts, chocolate chips, or shaved chocolate, if desired.