| 2 | medium ripe bananas, sliced (approx. 2 cups) |
| 2 | (14 oz) cans light coconut milk* |
| 1/2 | cup water |
| 1 | cup steel cut oats |
| 2 | tablespoons brown sugar |
| 1 to 1/2 | tablespoons butter, cut into 5-6 pieces, optional (omit or substitute margarine for lactose-free, vegan) |
| 1/2 | teaspoon cinnamon |
| 1/4 | teaspoon nutmeg |
| 1/2 | teaspoon vanilla |
| 1 | tablespoon ground flax seed |
| 1/4 | teaspoon salt |
| Optional garnishes: additional sliced bananas, chopped macadamia nuts or walnuts, toasted coconut, maple syrup, additional brown sugar, additional coconut milk or butter |