The white milk spots in coffee are basically just curdled milk as the milk fat separates and is now called whey which can happen when cold milk or dairy creamers are added to hot coffee.
The white stuff in your coffee creamer is usually the creamer that has not dissolved completely or milk fat if your coffee creamer is a dairy creamer.
Sometimes milk fat in the dairy creamer may separate when added to the coffee.
Powdered creamer is better for you than liquid creamer.
Most liquid creamers are made with partially hydrogenated soybean and or cottonseed oil which means transfat which can be unhealthy.
Powdered coffee creamers such as coffeemate are made with coconut oils and palm kernel oils so while the powdered coffee creamer has saturated fats it has little to no trans fat which makes it healthier.
Powdered coffee creamer also lasts longer than liquid creamer and does not need to be refrigerated once opened.
Some of the healthiest coffee creamers include.
Organic Valley Grassmilk Organic Half and Half.
Califia Farms' Organic Lavender Almond Creamer.
Natural Bliss Sweet Cream Flavored Coffee Creamer.
Elmhurst Pistachio Creme Oat Creamer.
Nutpods Almond and Coconut Creamer.
Laird Superfood Tumeric Coffee Creamer.
Oatly Sweet & Creamy Oatmilk Creamer.
Half and Half is also even healthier than powdered or liquid coffee creamers.
The half and half is not only lower in calories than coffee creamer but also less processed, contains healthier fats, and less likely to contain additives and extra sugar.