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Preheat oven to 350 degrees Fahrenheit.
Heat a large skillet over medium-high heat. Add in ground beef. Use a spoon to break up the meat and cook 8 to 10 minutes until beef is fully cooked through. Drain excess grease. Add in taco seasoning, stir, and cook 60-90 seconds.
Pour in water and add in refried beans. Stir to combine and cook until heated through. Keep warm.
Spread chips out onto a baking sheet (or other desired oven-safe baking dish including a 9x13 pan, cast iron skillet, or even a pie plate).
Sprinkle 2 cups of the cheese over the chips. Dot with the beef and bean mixture. Top with remaining 2 cups of cheese.
Bake in the 350 degree oven for 5 to 7 minutes, until cheese is fully melted.
Remove from heat and add additional toppings as desired. Serve warm.