Fold 1 cup chocolate chunks (or chocolate chips) and 1/2 cup white baking chips into the batter.
Add 3 mashed bananas to the wet ingredients.
After all ingredients are mixed together, fold 1/2 cup nuts into the batter.
Add 1/2 tsp cinnamon to dry ingredients.
After all ingredients are mixed together, fold 2 grated apples into the batter.
Mix together 3 tsp sugar, 1/2 cup chopped nuts and 1 tsp vanilla extract.
After filling muffin cups with batter (before baking), top each muffin cup with nut mixture.