Step 1

In a medium-sized frying pan, heat coconut over med-high heat until just browned and toasted, stirring constantly for 1-2 minutes. Remove from heat right away and transfer to a bowl then set aside.

Step 2

Melt chocolate chips with cream, milk, water or butter in microwave for 1-2 minutes, stirring halfway through. Add to plastic bag. Microwave dulce de leche if using for 30 seconds until just warm and add to another plastic bag. Cut small holes at the bottoms of each bag.

Step 3

Slice and core apples, spreading half on a large plate. Sprinkle toasted coconut over apples, then drizzle chocolate and dulce de leche overtop. Add peanuts. Add remaining apple slices, then repeat process. Serve and enjoy right away!