I put my stock pot on medium high heat, let is warm a bit, then added the olive oil,
After the oil was hot, I added the onions, garlic, butter, salt and pepper and cooked until the onions were translucent
Next, I added the potatoes, broth, milk, carrots
Before adding the flour, I added an equal amount of broth, still cool, to the flour, whisked them together, then added it back to the stock pot.
Add your bay leaf now, if you choose, then bring to a boil, reduce heat to a simmer, and simmer for 20 minutes, until potatoes are tender.
When potatoes are tender, remove half of the liquid, let it cool, and use an immersion blender to break up some of the larger pieces. Add back to the pot, warm before serving.
Before serving, I always taste-check, adding more salt and pepper, and parsley
Serve warm, and top with crumbled tortilla chips, or shredded cheddar cheese and bacon bits for garnish, a little green parsley is pretty too!