Warm milk in the microwave. (this is so the coconut oil doesn't solidify when you mix it in) Place all ingredients except chia seeds in a blender and blend until smooth. You can also use an immersion blender.
Add chia seeds and stir by hand for 5 minutes. (this is important to do for a full 5 minutes as it gets the chia seeds beginning to gel as well as mix them throughout) Cover and chill in the refrigerator overnight. Top with fruit and granola when eating.
Notes
To avoid lumps, you need to stir the chia seeds for 5 minutes which helps distribute the seeds.
If you have some lumps, just stir with a fork before eating.
If the chocolate chia pudding is too thick, add a splash of milk and stir.
If you don’t like the tapioca consistency of the pudding and want a smoother texture, just blend it all together in a blender of food processor until it is smooth.
Toppings ideas include granola, chocolate chips, fresh fruit and coconut flakes.