Start by slicing the bagels into bite-sized pieces. These will form the base of your casserole.
In a bowl, whisk together eggs, milk, salt, and black pepper. This will be the savory custard for your casserole.
Arrange the bagel pieces in a baking dish, creating a solid layer at the bottom.
Sprinkle diced ham and crispy bacon evenly over the bagels.
Carefully pour the egg mixture over the bagels and meat, ensuring it covers everything.
Sprinkle shredded cheddar cheese generously on top of your casserole for a melty finish.