Gooey, creamy chocolate chia pudding topped with sliced bananas, nut butter, and chocolate chips.
Put everything into a medium sized mixing bowl.
Mix. This will take a bit because the cacao is hard to stir in, but it will eventually come together.
Cover and refrigerate overnight (or at least 4 hours, until it resembles a pudding-like consistency).
Stir it up!
If you like a more tapioca pudding-like consistency, then keep it as is (my personal choice. Plus, I am kind of lazy), dish up, and top with the fun stuff.
If you like it creamier, then blend it up until it is smooth and creamy, adding a bit more milk if you need. Then dish up and sprinkle with toppings.