Sour cream, salsa, avocado or guacamole, jalapenos, tortilla chips, shredded lettuce, fresh cilantro, lime wedges, hot sauce
Method
Cook the Beef
Heat a large skillet over medium-high heat. Add the ground beef and onion. Cook 6-7 minutes, breaking the meat up with a wooden spoon, until browned and no pink remains. Drain excess fat if there's a lot. Add the garlic and cook 30 seconds.
Season and Simmer
Add the taco seasoning and water. Stir to coat everything. Add the black beans, diced tomatoes, and corn. Stir, bring to a simmer, and cook 8-10 minutes until the liquid reduces and the mixture is thick and saucy — not soupy, not dry. You want it to hold together on a chip but still be scoopable.
Cheese and Serve
Sprinkle the shredded cheese over the top. Cover with a lid for 2 minutes until melted. Bring the whole skillet to the table — let everyone top their own portion. This is the genius of the build-your-own format: the picky eater gets just cheese and sour cream, the adventurous one loads up on jalapenos and hot sauce, and I get the satisfaction of watching everyone eat from the same pot without a single complaint.