2/3 cup old-fashioned whole-rolled oats (do not use quick-cook or instant)
1 tablespoon cinnamon, or to taste
2 teaspoons baking powder
pinch salt, optional and to taste
1/3 cup raisins (I used a raisin medley; substitute with your favorite dried fruit OR with 1/3 cup of chopped nuts)
1/3 cup mini chocolate chips plus more for sprinkling tops (substitute with regular-sized chocolate chips or white chocolate, peanut butter chips, etc.)
1/2 cup milk (rice, soy, almond, cashew, cow, etc.)
1/3 cup liquid-state coconut oil (substitute with canola or vegetable oil)
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