Preheat your oven to 400°F, getting ready for the transformation of simple ingredients into a masterpiece.
In a skillet over medium-high heat, cook the ground beef and onion until the meat is thoroughly browned—about 8 minutes. Drain the excess grease to ensure a non-greasy nacho base.
Sprinkle the beef with your taco seasoning, stir in water, and simmer until it thickens, creating a richly flavored beef layer.
Line two baking sheets with parchment paper, lay out the tortilla chips, and dollop the refried beans over them. When the oven's warmth hits the beans, they'll soften and become a velvety layer.
Evenly distribute the taco-seasoned beef over the chips, then lavish the whole affair with shredded cheese. It’s all about balance—the right amount of cheese to complement, not overwhelm.
Bake this layered creation for 15 minutes. You're looking for that molten cheese moment, the sign of a nacho dish ready to delight.
Top it off with fresh tomatoes and green onions for a refreshing contrast to the hot, cheesy nachos. Serve immediately and watch it disappear!