The Best Nacho Recipe Ever

Ingredients

• 2 bags of tortilla chips
• 1 8oz bag Monterey Jack cheese
• 1 can refried beans
• 1 teaspoon garlic powder
• 1 teaspoon onion powder
• 1 cup cherry tomatoes, diced
• 1 small bunch scallions, diced
• 1 pound ground beef
• salt and pepper, to taste
• 1 package of taco seasoning
• 1 1/2 cups homemade nacho cheese sauce
• sour cream
• sliced olives
• 2 tablespoons butter, salted
• 2 tablespoons all purpose flour
• 1 cup whole milk
• 1 1/2 cup cheddar cheese, shredded
• 1/4 teaspoon cayenne pepper