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In a saucepan, add the water, cardamom, cinnamon, cloves, and ginger. Bring it to a gentle boil over medium heat.
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Let the spices simmer for about 5 minutes so the flavors infuse into the water.
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Add the tea bags to the saucepan and simmer for another 2 to 3 minutes, depending on how strong you prefer the tea.
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Pour in the milk and add the sugar or honey. Stir well and let the mixture heat gently for another 2 minutes. Avoid boiling at this stage.
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Remove the saucepan from heat and strain the chai into cups.
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Serve warm and enjoy immediately while the flavors are fresh and comforting.