In a large saucepan, melt the butter and saute the onion, garlic and carrots until both are slightly tender , about 5 minutes
Whisk in the flour and cook for 1 minute. Add the potatoes, milk, and dissolved bouillon cubes. Cook over medium heat for 15 minutes, until the potatoes are very soft and some of them have begun to dissolve into mush.
Add the half-and-half, salt, and pepper. (may need more salt add to taste)simmer on stove over medium low heat for 25 min or until nice and hot
Serve soup sprinkled with bacon bits and grated cheese.