Step 1

Blend the sweetened condensed milk with water in a large bowl.

Step 2

Beat the vanilla pudding into the bowl until it's fully incorporated.

Step 3

Place the bowl in the fridge until chilled. About five minutes.

Step 4

Gently brush the sliced bananas with lemon juice.

Step 5

Whip the cream or open the whipped topping and gently stir into the pudding mix.

Step 6

In the bottom of a 2 1/2-quart glass serving bowl, spread one cup of the pudding mix.

Step 7

Add a layer of vanilla wafers and banana slices.

Step 8

Cover with another cup of pudding.

Step 9

Repeat these layers, ensuring the top layer is pudding.

Step 10

Chill for at least two-three hours.