Pop all eight slices of bread into your toaster and set it to medium-dark.

Set your skillet over medium heat and add the four tablespoons of butter, letting it melt completely.

Add the flour to the melted butter and whisk constantly for about 2 minutes until it smells toasted and nutty.

Pour in the milk gradually while whisking continuously to prevent lumps from forming.

Keep the heat at medium and stir frequently with your wooden spoon until the sauce thickens and coats the back of the spoon, usually about 3 to 4 minutes.

Open your jar of chipped beef and use your spoon to break it into smaller pieces before stirring it into the thickened sauce.

Add the black pepper, salt, and garlic powder if using, then stir well and taste a tiny bit on a clean spoon.

Place two slices of your warm buttered toast on each plate and ladle the creamed beef generously over the top.