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