Blend the base: In a large mixing bowl, combine the softened cream cheese and pudding mix. Use an electric mixer to whip until smooth and well-blended, about 2–3 minutes.

Incorporate the liquids: Gradually add the milk, one ¼ cup at a time, mixing thoroughly after each addition to ensure a silky texture without lumps.

Add peanut butter: Stir in the creamy peanut butter until fully combined, creating a rich and nutty foundation.

Fold in Cool Whip: Gently fold the thawed whipped topping into the mixture using a spatula until completely blended and lightened — this step gives the dip its signature fluffiness.

Mix in candies: Add the halved Reese’s Miniatures and mini chocolate chips, folding them in carefully to evenly distribute the chocolate-peanut butter chunks.

Chill: Cover the bowl with plastic wrap or a lid and refrigerate for at least 2 hours to allow the flavors to meld and the dip to set properly.

Serve & enjoy: Present your dreamy dip in a bowl surrounded by fresh apple slices, chocolate graham crackers, or your favorite cookies for dipping. Or simply enjoy straight from the spoon!