1 lb ground beef, browned w/ 1 diced onion
4 cans beans, undrained (black, pinto, kidney or any combination)
1 can diced tomatoes (plain or with green chiles)
1 can tomato sauce
1 pkg taco seasoning mix
Add all ingredients to a large pot, bring to a boil and then simmer until you are ready to eat (at least 15 minutes) or just throw it into a crock pot. Top with cheese.
The original recipe I have calls for a pkg of Ranch dressing mix, but that just didn't make sense in my head, so I didn't try it. If you do, let me know how it tastes.