In large pan add onions and beef, cooking over a medium heat until onions are softened and meat is cooked through. Add garlic and sauté for 30 seconds. Drain off any excess fat.

Stir in all of the spices/seasonings, followed by refried beans until well incorporated, followed by sour cream and salsa. Heat through.

Stack tortillas together on a plate, cover with a damp paper towel and microwave for 30 seconds or until warmed through.

Line the middle of each tortilla with desired amount of cheese. Top with Bean and Beef filling and any additional desired filling ingredients. Fold in the edges of each tortilla and roll up “burrito style.” Serve with additional sour cream, guacamole, etc. (optional).