01 - In a medium bowl or large jar, combine rolled oats, milk, Greek yogurt, chia seeds, and maple syrup. Stir thoroughly until all ingredients are evenly distributed.
02 - Add grated carrot, walnuts or pecans, raisins, cinnamon, ginger, nutmeg, and salt. Mix until completely incorporated throughout the oat mixture.
03 - Cover the container and refrigerate overnight, or for at least 6-8 hours, allowing the oats and chia seeds to fully absorb the liquid and develop flavors.
04 - Before serving, combine softened cream cheese and maple syrup in a small bowl. Whisk vigorously until smooth and creamy.
05 - Stir the refrigerated oats well in the morning. Divide the mixture evenly between two bowls or jars. Top with cream cheese mixture and additional nuts, grated carrot, or coconut flakes as desired.