Prep the apple: Wash and core 1 medium apple. Dice it into small pieces so it mixes evenly. If you prefer softer apple bits, sauté them for 2–3 minutes with a dab of butter or coconut oil and a pinch of cinnamon, then cool.
Combine the dry ingredients: In a jar or container (12–16 ounces), add 1/2 cup rolled oats, 1 tablespoon chia seeds, 1/2–1 teaspoon ground cinnamon, and a small pinch of salt.
Stir to distribute the cinnamon.
Add the wet ingredients: Pour in 1/2 cup milk and 1/3 cup plain Greek yogurt. Add 1/2 teaspoon vanilla extract and 1–2 teaspoons honey or maple syrup, depending on how sweet you like it.
Mix in the apple: Fold in the diced apple. If you like extra texture, hold back a few pieces for topping in the morning.
Stir well and adjust: Mix until everything is fully combined.
The mixture should look loose—it will thicken overnight. If it seems too thick already, add an extra splash of milk.
Refrigerate: Cover and chill for at least 4 hours, preferably overnight. The oats and chia will absorb the liquid and set into a creamy consistency.
Finish and serve: In the morning, give it a good stir.
Add a splash of milk to loosen if needed. Top with more apple, a sprinkle of cinnamon, a drizzle of honey, or a handful of nuts.