Preheat and prep: Set your oven to 375°F (190°C). Lightly grease a 9x13-inch baking dish.
Cook the beef and aromatics: Heat oil in a large skillet over medium-high. Add the onion and cook 3–4 minutes until softened.
Add garlic and cook 30 seconds, then add ground beef. Season with a pinch of salt and pepper. Cook, breaking it up, until browned.
Drain excess fat if needed.
Add seasoning and liquids: Sprinkle in taco seasoning and stir to coat. Add the diced tomatoes with green chiles and salsa. Simmer 2–3 minutes to thicken slightly.
Stir in beans and corn: Fold in black beans and corn.
Taste and adjust salt and pepper. If you want a creamier filling, stir in the sour cream now.
Crush the chips: Gently crush tortilla chips by hand. You want bite-size pieces, not fine crumbs.
This keeps the texture light and crunchy.
Layer the casserole: Spread half the crushed chips in the baking dish. Spoon half the meat mixture over the chips. Sprinkle with half the cheese.
Repeat with remaining chips, meat, and cheese.
Bake: Place in the oven and bake 15–18 minutes, until the cheese is melted and bubbling and the edges look slightly crisp.
Rest and top: Let it rest 5 minutes so it slices neatly. Add your favorite toppings—shredded lettuce, diced tomatoes, jalapeños, avocado, or a squeeze of lime.
Serve: Scoop into bowls or slice into squares. Add hot sauce or extra salsa if you like more heat.