Combine ½ cup oats with ½ cup low-fat milk in a jar or container
Add ½ cup Greek yogurt and mix well
Stir in 1 tbsp chia seeds
Add 1 tbsp peanut butter if desired
Add 1 tsp honey for sweetness if desired
Sprinkle cinnamon for flavor
Cover and refrigerate overnight (or at least 4 hours)
In the morning, stir and add more milk if needed for desired consistency
Top with ¼ cup fresh fruits such as berries or banana
Serve cold or heat in microwave if preferred