Using a small bowl, whisk together all spices. (See note.)

Using a large skillet, add ground beef and onions. Place over medium-high heat and cook, stirring occasionally, until meat is fully browned; drain any excess fat from the pan.

Add water and half of the Taco Seasoning to the pan; stir until well combined. Increase heat and simmer for 6-8 minutes, or until liquid has mostly evaporated; set beef aside.

Preheat oven to 350°F.

Spread chips evenly across a standard 9”x13” baking pan. Sprinkle both cheeses across top of chips. Bake for 6-8 minutes, or until cheese has melted.

Meanwhile, make the sauce by whisking together the sour cream, milk and remaining half of the spice mixture from above; set sauce aside.

Top chips with ground beef, sliced onions, black beans, tomatoes and jalapenos. Drizzle sauce on top and then garnish with cilantro and/or green onions. Serve immediately.