Creating Baked Steel Cut Oatmeal is simple. Follow these steps for a delicious breakfast:

1. Preheat Oven: Preheat your oven to 350°F (175°C).
2. Boil Liquid: In a medium saucepan, bring the water or milk to a boil.
3. Add Oats: Stir in the steel-cut oats and salt, and reduce the heat to a simmer. Cook for about 5 minutes, stirring occasionally.
4. Mix Ingredients: Remove from heat and add cinnamon, nutmeg, maple syrup, diced apples or bananas, chopped nuts, raisins, and vanilla extract. Mix thoroughly.
5. Transfer to Baking Dish: Pour the mixture into a greased 9×9-inch (or similar size) baking dish, spreading it evenly.
6. Bake: Place the dish in the preheated oven and bake for 30-35 minutes until the top is golden and the edges are bubbly.
7. Cool Slightly: Remove from the oven and allow it to cool for a few minutes before serving.
8. Perfect Serving Size: Scoop out portions using a spoon or spatula.

These easy steps will lead you to a bowl of Baked Steel Cut Oatmeal that is both filling and incredibly wholesome.