Ingredients

• 3/4 lb lean ground beef or 3/4 lb diced boneless skinless chicken breast
• 2 (15 ounce) cans low-sodium black beans, do not drain
• 1 (15 ounce) can small red beans or 1 (15 ounce) can kidney beans, drained
• 1 (10 ounce) can Rotel tomatoes & chilies, do not drain
• 1 (8 ounce) can tomato sauce
• 1 (1 1/4 ounce) packet taco seasoning (use Regular or Hot & Spicy)
• 1/2 teaspoon onion powder
• 1/4-1/2 teaspoon salt
• shredded sharp cheddar cheese, to serve
• sour cream, to serve
• tortilla chips, use for dipping
• 1/2 teaspoon ground black pepper
• 1 (1 ounce) packet ranch dressing mix