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 oat mixture.
03 - Cover the container and refrigerate for at least 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, whisk together softened cream cheese and maple syrup until smooth and creamy. This creates a frosting-like topping reminiscent of carrot cake.
05 - Stir the chilled oats before serving. Divide evenly between two bowls or jars. Top with the cream cheese mixture and garnish with extra nuts, grated carrot, or coconut flakes as desired.