Cook oatmeal: In a small pot, combine rolled oats and milk (or water). Cook over medium heat, stirring occasionally, for about 5 minutes or until the oats are tender and creamy.

Add peanut butter: Stir in peanut butter until fully incorporated. Remove from heat and sprinkle dark chocolate chips on top. Cover with a lid and let sit for 1–2 minutes to melt.

Prepare the fruit: While the oatmeal cooks, rinse and prepare the fresh fruit. Divide into two bowls.

Finish oatmeal: Stir the melted chocolate into the oatmeal. Divide between two bowls and top each with banana slices.

Serve: Serve the oatmeal warm with fresh fruit and glasses of cold orange juice.