01 - In a medium saucepan, combine milk, oats, diced apple, cinnamon, nutmeg (if using), and salt.
02 - Bring to a gentle simmer over medium heat, stirring occasionally.
03 - Cook for 8 to 10 minutes, stirring frequently, until oats are creamy and apples are tender.
04 - Stir in maple syrup or honey and adjust sweetness to taste.
05 - Divide into two bowls and top with nuts, chia seeds, extra apple slices, or a drizzle of maple syrup as desired. Serve warm.