Start by slicing your bagel in half. If you have a preference for extra crispy, toast it until golden brown. For a slightly softer texture, a quick light toast is perfect. The key is to get a bit of crunch without overdoing it, so keep an eye on it!

Once your bagel is toasted to perfection, it’s time to spread the cream cheese. Use a butter knife or an offset spatula to spread the cream cheese evenly across both halves. Don’t rush this step—it’s all about achieving a smooth, creamy layer that coats the entire surface.

Now comes the fun part! Choose your toppings based on your mood. For a savory touch, add smoked salmon, a sprinkle of capers, and a few fresh herbs like dill or chives. If you're in the mood for something sweet, drizzle a little honey and top with fresh berries or banana slices.

Once you’ve added your desired toppings, grab a cup of coffee or your favorite morning beverage and dig in. Whether you’re enjoying this as a solo treat or serving it to friends and family, a bagel with cream cheese is always a crowd-pleaser.

To really make your bagel stand out, consider warming your cream cheese slightly before spreading. This makes it even easier to apply and adds a luxurious, smooth texture.