01 - In a medium bowl, add rolled oats, milk, yogurt, Biscoff spread, maple syrup or honey (if using), vanilla extract, and salt. Whisk vigorously until completely smooth and no lumps remain.
02 - Divide the oat mixture evenly between two glass jars or airtight containers, leaving about half an inch of space at the top for toppings.
03 - Seal containers tightly and refrigerate for at least 6 hours, preferably overnight, to allow oats to fully absorb liquid and soften to a creamy consistency.
04 - In the morning, give oats a thorough stir. Top generously with crushed Biscoff cookies, drizzle with melted Biscoff spread, and add fresh banana or berries if desired. Serve chilled.