Combine sweetened condensed milk, ground cardamom, ground cinnamon, ground nutmeg, and ground cloves in a bowl or measuring cup.

Mix well until all spices are evenly distributed.

Pour the mixture into a jar or container.

Cover and refrigerate.

For mocha, add a heaping spoonful of the concentrate and half a package of instant hot cocoa mix to a cup of coffee.

For chai, add two teaspoons of chai concentrate to steeped tea.

For chai cocoa, make a cup of hot chocolate and add a spoonful of concentrate.

Adjust the amount of concentrate to taste.