Kick the tires and light the fires to 350 degrees.
Combine the sugar and flour then cut in the cold butter.
Press 2/3 of the mixture into a 9×9 pan saving the rest as topping for later.
Bake for 10 minutes.
Remove from the oven and sprinkle the cup of toffee bits on top. Then the almonds. Then the chocolate chips. Then pour the condensed milk over top evenly.
Wait a couple minutes for the condensed milk to settle into the grooves between ingredients a bit. Then take the rest of the crumb mix and sprinkle it over the top.
Bake in a 350 degree oven for 20-25 minutes, until the top is wonderfully browned and crackly. Let the pan cool completely and when it's cool, slice it.