Preheat the Oven: Begin by preheating your oven to 350°F (175°C).
Cook the Beef: In a large skillet over medium heat, add the ground beef along with the diced onion and minced garlic. Cook until the beef is browned, about 5-7 minutes.
Season the Beef: Drain excess fat if necessary, then sprinkle in the taco seasoning and a little water. Stir well and let it simmer for about 2-3 minutes, allowing the flavors to meld.
Layer the Chips: On a large baking sheet, spread out half of the tortilla chips in an even layer.
Add Beef: Spoon half of the seasoned beef mixture evenly over the chips.
Cheese It Up: Generously sprinkle with a cup of shredded cheddar cheese.
Repeat Layers: Add another layer of tortilla chips, followed by the remaining beef, and finish with the remaining cheese.
Bake: Place the baking sheet in the preheated oven and bake for about 10 minutes, or until the cheese is completely melted and bubbly.
Garnish: Remove from the oven and top with jalapeños, sour cream, salsa, green onions, and guacamole as desired.
Serve: Dig in while hot and watch everyone dive into this cheesy paradise!