In a large skillet set over a medium heat, add 1 tablespoon oil. When it’s hot, add 1 medium yellow onion, diced and cook until soft.
Add 1 pound ground beef and cook until browned, breaking it up well with the back of a wooden spoon or ground beef chopper.
Drain any fat from the beef, then add 2 tablespoons taco seasoning and cook for one minute or until fragrant.
Add 1 15-ounce can refried beans and 1/4 cup water and mix well. Cook for a couple of minutes, then remove from the heat.
On a large baking sheet, add 8 ounces tortilla chips. Spread them out into an even layer.
Top with half of the 1 cup shredded Cheddar cheese and half of the 3 cups shredded Monterey Jack cheese.
Carefully add the ground beef mixture in an even layer on top of the tortillas and cheese.
Scatter over 1/3 cup pickled jalapeños, then top with the remaining cheese.
Bake in a preheated oven for 15 minutes or until the cheese is melted and bubbling.
Remove from the oven and scatter over the toppings.
Notes
This recipe can be very easily adapted to suit your food preferences. For vegetarian nachos, skip the ground beef and use veggie mince or black beans instead.
The toppings can also be customized. We used store-bought jars of salsa and nacho cheese, but you can make your own salsa, pico de Gallo or cheese sauce if you prefer.
Adding some cheese to the tortillas before you add the ground beef helps keep the tortilla chips from getting soggy.