Line a 8x8 pan with foil.
Setup a double boiler and add the condensed milk and chocolate chips.
Heat until the chocolate is melted and stirred into the condensed milk.
Add the peanut butter and stir until the mixture is smooth. No photo of the peanut butter mixed in, as once you add the peanut butter and mix that in, it will begin to set, so do not delay getting it into the prepared pan.
Spread the fudge into the prepared pan.
Top with additional items as you like, pressing them into the top of the fudge. I added a couple of handfuls of peanut butter MM candies.
Place in the fridge for 1 hour to chill or leave on the counter for several hours to set.
Lift out of the pan with the foil, cut into squares, enjoy.