Cut beef into small pieces

In a large saucepan or Dutch oven, melt the butter over medium heat

Add salt, pepper and Worcestershire sauce

Add flour. Constantly stir to combine and create a roux.

Add cold milk, stir until combined.

Add beef.

Increase heat to medium high and stir often until boil begins. Decrease heat to medium. Keep stirring until sauce begins to thicken. Once desired thickness is reached, remove from heat.

Serve immediately over toast.