Brown 2 pounds lean hamburger, then add 1 can refried beans, 2 packages Old El Paso Reduced Sodium seasoning mix, 1 jar salsa, 1 1/2 cups water. Let simmer, uncovered, until thick. The salsa can be mild to hot, depending on your tolerance to heat.
Instead of using taco shells, I heat some Tostito Scoops chips in the microwave, then spoon on them the taco meat/bean mixture, shredded Monterey Jack cheese, sour cream, more salsa, and diced fresh tomatoes. Eat with fork or spoon or fingers.
I know this doesn't come close to authentic Tex-Mex, but I'm a Pennsylvanian, and this is as close as I can get. I think it's pretty tasty.