Preheat the Oven: Preheat your oven to 350°F (175°C). Lightly grease an 8x8-inch baking dish.
Prepare the Bread: Place the cubed bread into the prepared baking dish.
Make the Custard: In a large mixing bowl, whisk together the milk, heavy cream, eggs, sugar, vanilla extract, cinnamon, and salt until well combined.
Combine the Bread and Custard: Pour the custard mixture evenly over the bread cubes, ensuring they are well coated. Let the mixture sit for 10-15 minutes to allow the bread to soak up the custard.
Add the Chocolate Chips: Sprinkle the semisweet and dark chocolate chips evenly over the soaked bread, gently pressing them into the mixture.
Bake the Pudding: Bake the bread pudding in the preheated oven for 40-45 minutes, or until the top is golden and the custard is set but still slightly jiggly in the center.
Serve and Enjoy: Let the bread pudding cool for a few minutes before serving. Top with caramel sauce, whipped cream, or a scoop of ice cream for an extra indulgent treat.