Dirt Cake

Ingredients

• 4 Tbsp. butter or margarine, softened
• 1 (8 oz.) cream cheese, softened
• 1 c. powdered sugar
• 3 1/2 c. whole milk
• 2 (3 1/2 oz.) pkg. instant vanilla pudding or 1 vanilla and 1 chocolate or chocolate pudding
• 1 (12 oz.) container frozen whipped topping, thawed
• 1 (20 oz.) pkg. Oreo cookies, crushed with rolling pin
• gummy worms
• 1 pkg. chocolate chips (optional)