In a large bowl, beat together the cream cheese and peanut butter until creamy and smooth, about 3 to 5 minutes. Stir in the powdered sugar, vanilla and salt until well combined. Add 1 cup of heavy cream and beat on high until light and fluffy, about 5 minutes.

Divide the mixture between six small cups or ramekins. Top the center of each cup with marshmallow fluff or push in a large marshmallow into the center. Top each with a Ritz cracker and set aside.

Heat the heavy cream in the microwave or in a small skillet until just barely simmering. Pour into a bowl with the chocolate chips and allow to sit for 5 minutes before stirring until smooth and melted through. Divide the ganache among each dessert cup and spread out evenly. Top with crushed Ritz crackers and chill for at least 1 hour before serving. Enjoy!