Cook the bacon until crispy in a nonstick skillet. Remove to a plate, reserving the rendered fat.
Add 3 tablespoons of bacon fat to a Dutch oven. Add the carrots and onions and cook until tender.
Add the flour and whisk to mix. Cook until the flour is lightly browned. (Add extra bacon fat if needed.)
Add the chicken stock and milk. Whisk until the flour is well mixed and dissolves.
Bring soup to a boil, stirring as it thickens.
Add the potatoes and corn and simmer for 15-20 minutes or until the potatoes are tender.
When the potatoes are cooked, stir in the ham. Then, remove the soup from the heat and add the cheese. Stir until melted.
Add salt and pepper to taste. Sprinkle bacon on top of each bowl of soup and garnish with parsley.
Notes
Thinning the Soup
You can change this soup to a thinner consistency by adding equal amounts of chicken stock and broth. Start by adding 1/4 cup each to the soup and stirring. You can rehydrate chilled soup by adding extra stock and milk (1:1 ratio).
Ham
Add 2 heaping cups of diced ham for extra flavor. If the ham has a heavy, sweet crust, cut it away or your chowder might end up with a sweet taste.