Gradually whisk in the milk, and bring to a boil, whisking constantly until the pudding is thick (about 3-5 minutes). Remove from heat.
Pour the pudding into cups or small bowls. To prevent a skin from forming, place wax paper or plastic wrap over the surface of the pudding. (This step is optional and can get messy.)
Feel free to experiment with different chocolate flavors. If you don't have chocolate chips, you can use a bar of chocolate (cut it into small pieces so it melts easily).