In a mixing bowl, combine the all-purpose flour, baking powder, salt, and sugar. Whisk the dry ingredients together until well mixed.

Add the milk (or water) and olive oil (or melted butter) to the dry ingredients. Stir until a dough forms. It should be soft but not too sticky.

Turn the dough onto a floured surface and knead gently for about 1-2 minutes, just until smooth. If desired, you can roll the dough out to your preferred thickness.

Divide the dough into four equal portions and shape each portion into a round or flatbread shape.

Heat a non-stick skillet or frying pan over medium heat. If using, brush the skillet with a little olive oil or melted butter to prevent sticking.

Place one piece of dough in the heated skillet. Cover it with a lid and cook for about 6-8 minutes, or until the bottom is golden brown and the top starts to bubble.

Flip the bread and cook for an additional 6-8 minutes with the lid on until the other side is golden brown.

Repeat with the remaining dough portions, adjusting cooking time if needed for each piece.

Once cooked, remove the breads and let them cool slightly on a wire rack or plate.

Customize your No-Oven Stovetop Bread by adding herbs, spices, or cheese to the dough for added flavor, if desired.