Gather ingredients: milk, cocoa powder, sugar (optional), salt, vanilla extract (optional), chocolate chips or chopped chocolate (optional), whipped cream or marshmallows (optional)
Heat milk in a saucepan over medium-low heat until steaming but not boiling
Whisk in cocoa powder and sugar until smooth
Add a pinch of salt
If using chocolate, add it and stir until melted and fully combined
Simmer gently for 2–3 minutes, stirring often, until thickened to your preference
Stir in vanilla extract if using
Taste and adjust sweetness or cocoa as needed
Pour into mugs
Top with marshmallows or whipped cream if desired
Serve immediately