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 - Fold in grated carrot, chopped walnuts or pecans, raisins, cinnamon, ginger, nutmeg, and salt. Mix until evenly distributed throughout the mixture.
03 - Cover the container and refrigerate for a minimum of 6-8 hours, preferably overnight. This allows the oats and chia seeds to fully absorb the liquid and develop flavors.
04 - In a small bowl, combine softened cream cheese and maple syrup. Whisk vigorously until smooth and creamy. Set aside until ready to serve.
05 - Stir the refrigerated oats to redistribute ingredients. Divide evenly between two bowls or jars. Top with cream cheese mixture and additional nuts, grated carrot, or coconut flakes as desired.