Preheat your oven to 350 degrees
Line an 8x8 pan with parchment paper and spray with cooking oil (this was a little tricky lining it but I really pressed into the corners and pressed over the edges to make a square form)
In a medium bowl add your graham crackers and butter and stir until mixed in
Press into the bottom of your 8x8 pan
Layer with 1/2 of your milk chocolate chips, peanut butter chips, crushed potato chips, and coconut flakes
Add a 2nd layer of the same 4 ingredients
In a medium bowl microwave your peanut butter to soften and slightly melt (about 20 to 30 seconds)
Add your sweetened condensed milk to the peanut butter and stir to combine
Pour this milk/peanut butter mixture all over the layered toppings
Place in your oven to bake for 20 to 25 minutes
Remove and cool completely before serving about 30 minutes
Cut into bars about 4 rows by 4 rows