1 lb. ground hamburger
1 lg. onion
2 lbs. refried beans (or use canned beans)
1 pkg. taco seasoning
2 c. grated Jack cheese
4 oz. can diced green chiles
1 c. grated Cheddar cheese
3/4 c. chunky taco sauce or enchilada sauce

Brown hamburger and onion together. Add salt, pepper and cumin to taste.

In bowl mix beans, taco seasoning and Jack cheese.