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Beat cream cheese with pudding mix until smooth. This will take a few minutes.
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Slowly add the milk 1/4 cup at a time making sure that it is completely incorporated before adding more.
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Add the peanut butter and mix until combined.
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Fold in the Cool Whip until the mixture is smooth and creamy and FLUFFY.
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Fold in the Reese’s candies and chocolate chips.
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Cover and chill for at least 2 hours.
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Serve with apple slices, graham crackers, chocolate graham crackers, peanut butter cookies – or a spoon.
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Enjoy!