Preheat oven to 350°F.

Spray two 9x5 inch loaf pans with non-stick cooking spray and set aside.

Put 1 Tbsp lemon juice in your half cup measure and fill the rest of the way with half and half; set aside for 5 minutes.

In a mixer, cream butter and sugar for 3-4 minutes.

Beat in the eggs one at a time.

In a separate bowl, whisk together flour, baking soda, baking powder, and salt.

Add the flour mixture to the butter mixture and mix on low until just combined.

Mix in the mashed bananas, milk mixture, and vanilla until well combined.

Stir in your mix-ins, which can include mini chocolate chips, chopped nuts, both, or none.

Pour batter evenly into prepared loaf pans.

Bake for 50 minutes or until a toothpick inserted in the center comes out clean.

Let cool for at least 15 minutes, then run a knife around the edge and remove from pans.

Let cool completely, then slice and enjoy!