Cook the meat in a skillet over medium heat until browned. Drain excess grease if needed.

Add taco seasoning and a splash of water. Simmer until it thickens and coats the meat.

Warm your rice and beans so they are not cold going into the tortilla.

Lay a tortilla flat. Add a thin layer of beans (if using), then rice, then seasoned meat.

Add sour cream and salsa, then a handful of shredded cheese. Add crushed chips if desired.

Fold in the sides, then roll it up tight like a burrito.

Sprinkle cheese directly onto a hot nonstick pan, then place the burrito seam side down on top of the melting cheese.

Cook until the cheese turns golden and crispy, then carefully roll or flip to crisp other sides if desired.