01 - In a medium saucepan, combine rolled oats, milk, diced apple, cinnamon, nutmeg if using, and a pinch of salt.
02 - Bring mixture to a gentle boil over medium heat, stirring occasionally.
03 - Reduce heat to low and simmer for 8 to 10 minutes, stirring frequently until oats are creamy and apples are tender.
04 - Stir in maple syrup or honey and vanilla extract, and cook for an additional minute.
05 - Remove from heat, divide into bowls, top with nuts and dried fruit if desired, and serve warm.