Mix flour, sugar, salt, and yeast in a large bowl.
Add warm milk & melted butter, stirring until a dough forms.
Knead for 5-7 minutes, then cover and let rise for 1 hour.
Roll out the dough, sprinkle cheese (and garlic powder if using), then roll it up or fold it in.
Place in a greased loaf pan, let rise for 30 more minutes.
Bake at 375°F (190°C) for 25-30 minutes until golden brown.
Brush with butter and let cool slightly before slicing!
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