Making Decadent Gooey Chocolate Cream Cheese Bread Pudding is straightforward if you follow these simple steps:

1. Preheat Oven: Preheat your oven to 350°F (175°C). Grease a 9×13-inch baking dish with butter or non-stick spray.
2. Prepare Bread: Cut the day-old bread into 1-inch cubes. Place the cubes in a large mixing bowl.
3. Make Cream Cheese Mixture: In another bowl, mix the softened cream cheese and granulated sugar until smooth. Add the eggs, vanilla extract, ground cinnamon, and salt. Mix until well combined.
4. Combine Ingredients: Pour the cream cheese mixture over the bread cubes, ensuring they are evenly coated. Gently fold in the chocolate chips.
5. Add Milk: Slowly pour in the whole milk, mixing gently until all the bread cubes are soaked in the mixture.
6. Transfer to Baking Dish: Pour the bread pudding mixture into the greased baking dish, spreading it evenly.
7. Bake: Place in the preheated oven and bake for 45-50 minutes, or until the top is golden brown and the custard is set.
8. Cool: Remove from the oven and let it cool for about 15 minutes before serving.
9. Optional Toppings: If desired, drizzle heavy cream over the top or dust with powdered sugar for an extra touch.

Follow these steps, and you will create a dessert that is both indulgent and comforting.