In a mixing bowl, whisk the flour, baking powder, and salt. Stir in the milk and add enough flour to make a soft dough that doesn't stick to your hands.

Knead the dough on a lightly floured counter just until smooth. Cover and let rest for about 5-10 minutes.

Divide dough into 6 pieces. Roll each piece into a 6-7" circle on the floured counter.

In a medium sized skillet, heat about half of the oil over medium heat till it's about 350°. Cook each piece of dough for 1-2 minutes per side until lightly browned. Add more oil to the pan as needed. (Alternately, you can use 2-3 cups of oil and deep fry the navajo bread.)

Place fried bread on paper towels to drain. You can then place them on a plate in a warm oven if desired.

Top each piece of fry bread with chili or taco meat, lettuce, cheese, tomatoes, sour cream, and any other toppings you want.