Prep your base: Add the frozen banana, oats, peanut butter, flaxseed or chia, protein powder, vanilla, and salt to the blender.
Pour in liquids: Add the milk and yogurt. Start with 1 cup of milk; you can add more later if needed.
Blend until smooth: Blend on high for 30–60 seconds, scraping down the sides if needed. If it’s too thick, add a splash more milk.
Add the chocolate: Toss in the mini chocolate chips or cacao nibs and pulse a few times.
You want specks and small bits for that “cookie” texture.
Taste and adjust: Sweeten with honey or maple syrup if you like. For a thicker, milkshake-like smoothie, add a handful of ice and blend again.
Serve: Pour into a tall glass and finish with a sprinkle of oats or a few extra chocolate chips on top.