For the Base:

• 4 medium-sized flour tortillas

• 1 cup refried beans (store-bought or homemade)

• 1 cup cooked ground beef (seasoned with taco spices)

• 1 cup shredded cheddar cheese

• 1 cup shredded Monterey Jack cheese

For the Toppings:

• 1/2 cup diced tomatoes

• 1/4 cup sliced black olives

• 1/4 cup chopped green onions

• 1/4 cup chopped cilantro

• 1/4 cup sour cream (optional)

• 1/4 cup salsa (optional)

• 1 jalapeño, sliced (optional for spice lovers)

For the Taco Seasoning (if making from scratch):

• 1 tsp chili powder

• 1/2 tsp cumin

• 1/2 tsp paprika

• 1/4 tsp garlic powder

• 1/4 tsp onion powder

• 1/4 tsp oregano

• Salt and pepper to taste