Add milk to a small saucepan and whisk in the coconut oil, turmeric, ginger, cinnamon, cardamom, cloves and pepper.
Bring to a low simmer and cook for 5 minutes (if you used fresh turmeric and ginger, cook for 10 minutes).
Stir in honey/maple syrup and salt until dissolved. Let cool slightly. Enjoy as is, or if you want to get fancy, use a milk frothier or blend in a high speed blender for 15 seconds to make it a frothy delight!