Add ground beef to a pot.
Add homemade taco seasoning.
Add diced tomatoes and green chilies.
Add tomato sauce and water.
Mix everything together.
Add rice.
Add beans (optional).
Add pepper, salt, and garlic.
Cover and cook over medium heat for 15 to 20 minutes, or until rice is tender.
Shred cheddar cheese.
Add cheese to the pot and mix until melted.
Mix taco sauce and sour cream for topping.
Crumble taco shells or tortilla chips.
Serve with topping and crumbled shells/chips.
