Brown ground beef in a skillet over medium heat.

Drain off any excess grease from the skillet.

Add milk to the skillet and bring to a boil.

Reduce heat to a simmer.

In a small bowl, whisk flour with a little cold milk to create a slurry.

Slowly drizzle the flour slurry into the simmering milk, stirring constantly to prevent lumps.

Continue stirring until the gravy thickens to your desired consistency.

Season with salt and pepper to taste.

Toast your favorite bread.

Serve the hamburger gravy immediately over the toasted bread.

Adjust salt and pepper seasoning according to taste.