In a small bowl mix sweetened condensed milk and water with an electric hand mixer until mixed together (about 1 minute). Add the pudding mix and beat well (about 2 minutes). Cover and refrigerate for 3-4 hours or overnight. Make sure you let it sit for at least 3 hours so that the pudding can set up.

In a large bowl beat heavy cream until stiff peaks form. Gently fold in the pudding mixture into the whipped cream until well blended and no streaks of pudding remain.

To assemble place a few Nilla wafers at the bottom, then a few slices of bananas, and top with a scoop of pudding mixture. Repeat until jar is filled. Garnish with

additional wafers or wafer crumbs and banana slices. Cover tightly and allow to chill in the fridge before you serve. 4 hours seems to be my favorite time. Do not let them sit in the fridge for longer then 8 hours!

{This can also be made in a large glass bowl or trifle dish. Use one-third of the nilla waffers, one-third of the bananas and one-third of the pudding. Then repeat}