Activate Yeast: Combine warm milk, sugar, salt, and yeast in a bowl. Let sit for 10 minutes until foamy.

Mix Dough: Add egg and oil to the yeast mixture. Gradually stir in flour until a dough forms.

Knead: Knead on a floured surface for 5–8 minutes until smooth and elastic.

First Rise: Place dough in a greased bowl, cover, and let rise in a warm spot for 1 hour (until doubled).

Add Chocolate: Punch down the dough, add chocolate chips, and knead gently to distribute.

Shape & Second Rise: Divide into 12 equal pieces. Roll into balls and place in a greased muffin tin. Cover and rise for 15 minutes.

Bake: Brush tops with milk. Bake in a preheated oven at 180°C (350°F) for 20–25 minutes until golden brown.

Finish: Once cooled slightly, core the center and fill with chocolate spread if desired.