01 - In a medium bowl or large jar, combine rolled oats, milk, Greek yogurt, chia seeds, and maple syrup. Stir until evenly incorporated.
02 - Add grated carrot, chopped walnuts or pecans, raisins, cinnamon, ginger, nutmeg, and salt. Mix until thoroughly combined.
03 - Cover tightly and refrigerate for at least 6 to 8 hours to allow the oats and chia seeds to fully absorb the liquid and develop flavor.
04 - Before serving, combine softened cream cheese and maple syrup in a small bowl. Whisk until smooth and creamy.
05 - Stir the chilled oats, then divide evenly between two bowls or jars. Top with the cream cheese mixture and any desired garnishes such as extra nuts, grated carrot, or coconut flakes.