In a large pan, cook the beef for 6-8 minutes or until no longer pink. Drain excess oil.
Take about half the cooked ground beef and put it into a blender, pulse two times. Then, shake the blender container to loosen meat and pulse two more times. Do the same for the rest of the ground beef. Finally, pour the beef back into the pan.
Add the taco seasoning to the middle of the pan and add ⅔ cup of water. Mix until the seasoning has dissolved, then stir it into the beef.
Heat the nacho cheese sauce and the refried beans in two separate small saucepots on low. Stir occasionally to prevent them from burning.
Plate the chips and top them with the taco meat, nacho cheese sauce, refried beans, tomatoes, and sour cream. Finish with some of the optional items and enjoy!