In a small bowl, whisk all the dry ingredients (everything up to the milk.)
In a separate small bowl, whisk the remaining ingredients except the chocolate chips. Pour into the dry ingredients and whisk until smooth. Stir in the chips.
Transfer to a large mug (at least 14-16oz) and spread evenly.
Cook until the top is set and any wet spots are no larger than a dime. This was about 2 mins and 30 seconds in my 1000-watt microwave