Mix the chia base: In a jar or bowl, whisk the almond milk, Greek yogurt, protein powder, maple syrup, vanilla, cinnamon, nutmeg, and salt until smooth.
Sprinkle in the chia seeds and whisk again to distribute them evenly.
Let it thicken: Rest the mixture for 10 minutes, then whisk once more to break up clumps. Cover and refrigerate for at least 2 hours, preferably overnight, until thick and pudding-like.
Cook the apples: In a small skillet over medium heat, warm the coconut oil or butter. Add the diced apple, cinnamon, nutmeg, and maple syrup.
Cook 4–6 minutes, stirring, until the apples soften. Add a splash of water if the pan looks dry. You want tender, not mushy.
Cool the topping: Take the apples off the heat and let them cool to room temperature so they don’t thin the pudding.
Assemble: Give the chia pudding a final stir.
Layer it in a glass or bowl with the apple mixture. Add nuts or extra yogurt if you like.
Taste and adjust: If you prefer sweeter, drizzle a little more maple syrup. If it’s too thick, stir in a splash of milk.
Serve or chill: Enjoy right away or chill for 15 minutes to let the flavors mingle.