Brown hamburger in skillet. Add taco seasoning and water according to directions on package. Simmer for a few minutes.
Add beans and stir until mixture is hot.
Chop onions, lettuce and tomatoes.
Arrange chips in a circle on a plate. Spoon meat/bean mixture in the middle. Top with cheese, vegetables and salsa.
Enjoy with your favorite beverage! Goes well with Tecate.
Substitute at will. I've used chopped Swiss and cheddar cheeses with good success.