Step 2: Warm refried beans in saucepan on low heat.

Step 3: Spread refried beans (thin layer) onto tortilla, add hamburger and onion on also. Sprinkle Jack cheese on top.

Step 4: Wrap. Heat until cheese melts about 1 minute in microwave or 5 to 10 minutes in oven.

Step 5: Add salsa and sour cream if desired.

Step 6: You can also fill a baking pan with burritos, sprinkle cheese on top also, for 15 minutes or until lightly browned. Then serve.