Follow these simple steps to create your delicious Condensed Milk Bread Pudding:

1. Preheat Oven: Preheat your oven to 350°F (175°C). Grease a 9×13-inch baking dish with butter.
2. Prepare Bread: Place the cubed bread in a large mixing bowl.
3. Mix Wet Ingredients: In another bowl, whisk together the condensed milk, whole milk, eggs, sugar, vanilla extract, cinnamon, and salt until well combined.
4. Combine Mixtures: Pour the wet mixture over the cubed bread. Gently fold until all bread pieces are coated.
5. Add Optional Ingredients: If using, fold in the raisins or chocolate chips for added flavor.
6. Transfer to Baking Dish: Pour the mixture into the prepared baking dish, spreading it evenly.
7. Bake: Place in the preheated oven and bake for 45-50 minutes, or until the pudding is set and lightly golden on top.
8. Cool: Remove from the oven and let it cool for 15-20 minutes before serving.
9. Slice and Serve: Cut into squares and serve warm or at room temperature.