Add butter or fat to a large soup pot or dutch oven.
Brown ground beef in fat.
Once the meat is cooked, stir in garlic, onions, and carrots. Cook until softened (about 4-5 minutes).
Add the cubed potatoes and Worcestershire sauce and cook for another 5 minutes.
Sprinkle the tapioca starch or other thickener over the veggie/meat mixture, and stir it in until no more white from the flour is visible.
Slowly pour in the broth, stirring constantly.
Bring mixture to a boil and then reduce heat to a simmer.
Cover the pot and allow to simmer on low-medium heat for 20-25 minutes until potatoes soften.
Add the heavy cream and shredded cheddar and mix slowly until all of the cheese is melted.
Season with salt and pepper.
Serve as is or a few optional additions for serving are diced bacon, extra shredded cheese on top, or if you are adventurous, sprinkle on a few diced pickles.
