Creating the delightful Pina Colada Lush is straightforward. Simply follow these steps:

1. Prepare the Cream Cheese Mixture: In a large mixing bowl, beat the softened cream cheese and powdered sugar until smooth and creamy.

2. Add Pineapple and Coconut: Gently fold in the drained crushed pineapple, shredded coconut, and sweetened condensed milk into the cream cheese mixture.

3. Whip the Cream: In another bowl, whip the heavy cream until stiff peaks form, then fold it into the cream cheese mixture.

4. Include Rum: If you choose to add rum, gently fold it into the mixture until evenly distributed.

5. Assemble Layers: Start with a layer of graham crackers at the bottom of a 9×13 dish. Spread 1/3 of the cream cheese mixture over the crackers. Repeat the layers—graham crackers and cream cheese mixture—twice more, finishing with the cream cheese mixture on top.

6. Chill the Dessert: Cover the dish with plastic wrap and refrigerate for at least 4 hours, or overnight for the best flavor.

7. Serve: Just before serving, top with whipped cream and garnish with pineapple chunks and extra coconut.