Preheat oven to 350°F. Lightly grease a 9-inch square baking dish and line with parchment paper if desired.
Make streusel: In a medium bowl, mix brown sugar, flour, and cinnamon. Cut in cold butter until you have a few moist crumbs and clumps. Stir in pecans if using.
Combine milk and lemon juice; let sit 5 minutes.
In a large mixing bowl (or stand mixer), cream softened butter and granulated sugar until fluffy, about 2 minutes.
Beat in eggs one at a time, then mix in vanilla extract.
Whisk dry ingredients (flour, baking powder, baking soda, salt) together.
Add dry ingredients to wet ingredients in two additions, alternating with the milk mixture. Mix just until combined (thick batter).
Spoon half the batter into the prepared pan and spread gently.
Sprinkle half the streusel on top for the cinnamon sugar layer.
Add remaining batter, spread carefully, then top with remaining streusel mixture.
Bake 35–45 minutes, until a toothpick inserted (or cake tester) comes out with a few moist crumbs.
Cool in pan 15 minutes, then transfer to a wire rack to cool cake (or slice and serve warm).