Add the milk and water to a medium size pan
Once the water and milk have come to a light boil you can add the oats, apple pieces and the banana.
While those oats are cooking you can prep that delicious crumble
In a separate bowl, add the flour, brown sugar and cinnamon
Melt the butter in the microwave in a small glass bowl (I do 20-30 seconds at a time and stir until it is almost completely melted)
Add the butter to the flour mixture and using a fork or whisk mix together