Gather Ingredients: Start by assembling all your ingredients. It helps to have everything measured and ready to go.

Mix the Pudding: In your large mixing bowl, whisk together the milk and pudding mix until smooth. It will get thicker after 5 minutes.

Note: Ensure your milk is cold for the best results in setting the pudding.

Combine Cream Cheese and Condensed Milk: In another bowl, use your electric mixer to blend the cream cheese until smooth. Gradually add the condensed milk and mix until smooth and well combined.

Fold in Whipped Topping: Gently fold in half of the whipped topping, being careful not to deflate it.

Layer Wafers and Bananas: In your trifle bowl, layer one-third of the vanilla wafers, followed by a layer of bananas.

Add Pudding Mixture: Spoon half of the pudding mixture over the bananas and spread evenly.

Repeat: Add another layer of wafers, bananas, and the remaining pudding mixture. Top with the last of the bananas and wafers.

Warning: Don’t press down too hard on the layers; you want to keep it light and airy!

Add Final Touches: Spread the remaining whipped topping over the top layer of wafers.

Chill: Refrigerate the pudding for at least 4 hours, or overnight, before serving.