Preheat oven to 350° and grease a 9x13 pan (may need to use 2 pans, like a 9x13 and an 8x8, if your bread slices are big) or if making bread pudding muffins grease 12 muffin tins.
Place bread cubes in a bowl.
Mix together apple, nutmeg, cinnamon, sugar (if using any, I find it too sweet when I add suagr but others in my family like this with added sugar), 6 eggs, and both milks, almond extract, and vanilla in a a separate bowl. Pour this mixture over bread cubes and let sit for at least 10 minutes.
Pour into bread mixture into the greased dish or muffin tins.
Combine crumble ingredients until it looks like crumbly and sprinkle over bread pudding.
Bake for 30 minutes for muffins or 40-50 minutes for 9x13 dish OR until set, watch carefully!
Sauce for the Grown Ups:
Combine chips, butter, and heavy cream and melt in microwave until melted (Stirring every 30 seconds).
Then mix in liqueur and serve over bread pudding!
Sauce for the Little Ones:
Mix syrup and butter and place in microwave until melted (stirring every 30 seconds).
Then stir in the brown sugar and microwave again until dissolved (stirring every 30 seconds).
You may make this dish ahead and leave in the fridge over night, then bake in the morning.