You can use instant or cooked pudding. If using cooked pudding, mix pudding mix with milk and cook over med heat until thickened. Cool. If using instant-mix pudding with milk and add the rest of the ingredients. You can use up to 1/3 c of ammaretto if desired. Serve with your favorite fruits. I use strawberries, cantaloupe, bananas, pineapple, grapes, peaches, apples, just about anything!