Crisp the tortillas. Heat oil in a skillet over medium to medium-high heat. You want just enough oil to cover the bottom of the skillet. Once it’s hot, add 1-2 tortillas at a time. Lightly fry tortillas on each side until golden brown (1-2 minutes) then transfer to a paper towel lined plate and lightly season with salt and set aside.
Optional method to crisp tortillas: if you have a gas stove, use tongs to hold tortillas over the flame, flipping often - watch carefully so they don't butn.
To the same skillet add ground beef. Season with salt and black pepper to taste. Cook 6-8 minutes or until no longer pink, breaking up chunks. Drain any excess grease. Stir in taco seasoning plus 1/4 cup water. Simmer 8-10 minutes until a sauce forms.
Preheat oven to 400 degrees. Line a baking sheet with parchment paper for easier cleanup.
Heat refried beans in the microwave or saucepan. If needed, stir a tablespoon or so of water so the beans are easier to spread.
Assembly: Add tortillas to the baking sheet. Spread a layer of refried beans, top with taco meat, a little cheese and a spoonful of taco sauce.
Place a second tortilla on top, spread a thin layer of taco sauce and a little more shredded cheese. Learn from me: don’t overload the cheese – a small amount melts nicely — too much and it’s a melty mess. Bake 8-10 minutes or until cheese is melted.
Remove from the oven. Top with diced tomatoes, green onion, sour cream, black olives — you get it — any of your favorite toppings. Cut in half or wedges and eat right away.