This smoothie is like a perfect tropical holiday. Enjoy
1. In a small bowl, mix all of the ingredients together (except for toppings).
2. Divide the mixture (1 cup each) between 2 bowls, mugs, or mason jars. Cover and refrigerate overnight (or for at least 2 hours) so the oats soften and absorb the liquid.
3. Just before serving, add toppings and enjoy cold, or gently heat in a saucepan for a speedy winter warmer!