Nachos

Preheat oven to 425º. In a large skillet over medium heat, heat oil. Add onion and cook, stirring occasionally, until softened, about 7 minutes. Add beef and cook, stirring with a wooden spoon, until no longer pink, about 6 minutes. Drain fat.

Add garlic and taco seasoning; season with salt. Cook, stirring occasionally, until meat is well browned and slightly crispy, about 5 minutes. Add refried beans and water to skillet and stir until combined.

Arrange half of tortilla chips on a foil-lined baking sheet. Top with half of beef-bean mixture, half of cheese, half of black beans, and half of pickled jalapeños. Repeat with one more layer.

Bake nachos until cheese is melted, about 15 minutes.

Top nachos with tomatoes, avocado, cilantro (if using), and scallions.

Drizzle with sour cream and hot sauce and serve immediately.