01 -
Set your oven to 375°F and get it heating. Cook the beef in a pan on medium until it’s no longer pink. Then drain the grease.
02 -
Mix in the taco seasoning and water. Let it bubble away for a couple of minutes to thicken, then toss in the refried beans. Stir until warm and blended.
03 -
Spread the beef and bean mix down the middle of each tortilla. Wrap ‘em up like burritos and place them snugly in a baking dish, seam-side down.
04 -
Evenly pour the enchilada sauce over the wraps. Scatter the cheddar and Monterey Jack cheeses all over the top.
05 -
Pop the dish in the oven, uncovered, and bake for 20–25 minutes, or until the cheese is melted and bubbling.
06 -
Scoop some extra sauce on top as you serve. Add any of the optional toppings you like.