Mash the banana in a bowl.
Add the water to a pot and bring to a boil.
Lower heat to a low-medium temperature and stir in the oats. Let it simmer, stirring frequently, for about 3 minutes.
Stir in the milk, mashed banana, and shredded zucchini and continue to cook until the oats are completely cooked and the desired consistency is reached. While cooking it, add extra milk or water as soon as you find the mixture starts to get dry or stick to the bottom, or if you want a thinner consistency.
Turn off the heat and mix in the cinnamon, vanilla extract, and peanut butter. You can also add stevia, monk fruit, or whey powder at this stage, which is completely optional. A few drops of stevia or monk fruit go a very long way, so be sure to taste it before adding another drop.
Stir in the chia seeds and hemp seeds. Top with your choice of fruit and any other add-ins, and it’s ready to be enjoyed!