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These bars are a little time-consuming, but are so tasty. These bars do not require many ingredients, so you might already have everything handy to bake these soon.
In a large bowl, combine flour and brown sugar; cut in cold butter until mixture resembles coarse crumbs. Stir in egg and both kinds of chips. Pat mixture into the prepared baking pan, reserving 1 cup of the mixture for the top. Bake for 10 minutes.
Spread the sweetened condensed milk evenly over the crust. Spread reserved bar mixture evenly over the condensed milk. Bake for another 20-25 minutes or until lightly golden brown on top.
These are a favorite of mine! Not a nut fan, though, so I would recommend making these without the nuts! :)
Very rich and sweet!