Warm milk in the microwave so the coconut oil doesn't solidify when adding in. Place all ingredients except chia seeds in large bowl and stir to combine.
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.
Use white chia seeds if you want them to blend in.
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 chia seed pudding is too thick, add a splash of milk and stir.
If you don’t like the tapioca consistency of chia seed pudding and want a smoother texture, just blend it all together in a blender of food processor until it is smooth.