2 c. cold milk
1 (4 oz.) serving chocolate instant pudding
3 Graham crackers, broken into small pieces
1/2 c. chocolate chips
1/2 c. miniature marshmallows

Pour milk into a medium bowl. Add pudding and mix 1-2 minutes. Let stand 5 minutes. Stir in Graham cracker pieces, chips and marshmallows. Spoon into 6 dessert dishes. Garnish with additional crackers, chips and marshmallows.