Preheat your oven to 350°F (175°C) and grease a 9x5 inch loaf pan.
In a large mixing bowl, whisk together the flour, baking powder, and salt.
In another bowl, beat the egg with the milk, oil, sugar, and vanilla until smooth.
Gradually add the wet ingredients to the dry, stirring just until combined. Don’t overmix.
Fold in the chocolate chips with a spatula, whispering a little love into the batter.
Pour the batter into your prepared loaf pan and smooth the top.
Bake for about 45 minutes or until a toothpick comes out with only a few moist crumbs.
Let it cool in the pan for 10 minutes, then transfer to a wire rack. Try not to eat it all at once.