Add the rolled oats and chopped mixed nuts to a dry skillet and toast over medium-low heat, stirring constantly, until the oats turn a light golden brown and smell nutty.

Push the oats and nuts to one side of the skillet, add the coconut flakes, and toast separately for a minute or two until just golden at the edges.

Transfer the toasted oats, nuts, and coconut to a mixing bowl and let cool for 2 minutes before adding any liquid.

Sprinkle the chia seeds over the cooled toasted mixture and stir through evenly.

Pour the milk over the oat mixture, stir well, and let it soak until the oats soften and most of the milk is absorbed.

While the oats soak, peel the banana and slice it into thin rounds.

Core the apple and cut it into small, even bite-sized cubes.

Spoon half the Greek yogurt into the bottom of each serving bowl, then top with the soaked muesli mixture, dividing it evenly.

Arrange the sliced banana and diced apple over each bowl, then finish with a drizzle of honey just before serving.