In a saucepan, bring the water to a boil. Once boiling, remove from heat, add the tea bag or loose-leaf tea, and let steep for 3-5 minutes. If you're using loose-leaf tea, strain out the leaves after steeping.

Return the saucepan to low heat and add the cinnamon stick, cloves, cardamom pods, ginger, and nutmeg if using. Allow the mixture to simmer gently for about 5 minutes, so the spices can infuse the tea.

Pour in the unsweetened almond milk or coconut milk and stir. Continue to heat the mixture on low, ensuring it doesn't come to a boil (especially if using coconut milk as it can separate).

Add your chosen keto-friendly sweetener, starting with a smaller amount and adjusting to taste. If you're using a liquid sweetener like liquid stevia, add it drop by drop, tasting as you go to get the desired sweetness. If you'd like, add a splash of vanilla extract for extra flavor.

Once your chai is heated through and sweetened to your liking, strain it to remove the whole spices and ginger slices. Pour it into your favorite mug.

Sip your keto chai while warm and enjoy the comforting flavors without the carbs!