Note: If you are using hot chocolate packets, skip to step 4

• Start by heating your milk in a sauce pan on your stovetop.
• Once the milk has started to simmer, add in your sugar, cocoa powder, and chocolate chips.
• Stir everything together until the chocolate chips have completely melted.
• Take out your coffee mugs and pour in your Rumchata according to the split measurements above.
• Use a ladle and carefully fill your mug with the still warm hot chocolate
• Sprinkle some cinnamon or cocoa powder on top, toss in some miniature marshmallows, and add a dollop of whipped cream