For the meat:

• 2 teaspoons olive oil or avocado oil
• 1 lb lean ground beef
• 1 tablespoon chili powder
• 1 1/2 teaspoons ground cumin
• 1 teaspoon kosher salt
• 1 teaspoon smoked paprika
• 1/2 teaspoon garlic powder
• 1/2 teaspoon onion powder
• 1/4 teaspoon dried oregano
• 1/4 cup water

For the nachos:

• 12 oz bag tortilla chips
• 15 oz black beans, rinsed and drained (can use pinto beans or refried beans)
• 4 cups grated cheddar cheese, can use Monterey Jack or a mix

Toppings:

• Diced red onion or sliced green onion
• shredded lettuce
• diced tomatoes
• sliced black olives
• Fresh chopped cilantro leaves
• diced avocado or guacamole
• sour cream or plain Greek yogurt
• jalapeño slices
• Pickled red onion
• salsa