Preheat your oven to 375°F (190°C).
In a skillet over medium heat, brown the ground beef until fully cooked. Drain excess fat.
Add taco seasoning and a splash of water. Simmer for 2-3 minutes, then set aside.
Place one tortilla on a baking sheet. Spread a thin layer of refried beans, followed by enchilada sauce.
Sprinkle half of the shredded cheese evenly.
Spread the seasoned beef over the cheese.
Place the second tortilla on top and press gently.
Spread a little more enchilada sauce on the top tortilla.
Add remaining cheese, diced tomatoes, black olives, and jalapeños (if using).
Bake for 10-12 minutes until cheese is melted and edges are crispy.
Remove from oven and top with green onions, cilantro, and sour cream (optional).
Slice into wedges and serve hot!
