Instructions:
In a large pot, melt the butter over medium heat. Continue to heat it until it turns a light brown color, being careful not to burn it.
Stir in the flour and cook for about 2 minutes to create a roux, ensuring that it doesn't clump together.
Gradually add the milk while stirring continuously to prevent lumps. Then, add in the salt, black pepper, garlic salt, and chopped onions.
Increase the heat and bring the mixture to a boil, stirring frequently for about 2 minutes.
Once boiling, reduce the heat and add the cubed ham, cooked potatoes, and cooked carrots. Allow the soup to heat through for approximately 15 minutes.
Finally, add the melting cheese, stirring gently to incorporate it into the soup. Be careful not to let the soup boil after adding the cheese; instead, let it simmer on medium heat until the cheese is fully melted.