Prep the toppings per instruction above.
For the guacamole: Mash the avocado in a bowl with a fork until smooth. Mix in the remaining ingredients until fully combined. Season with salt and pepper to taste. Refrigerate until serving.
Heat a nonstick pan over medium heat. Once hot, add the ground beef, onion powder, cumin, garlic powder, paprika, and chili powder. Break up the beef into smaller pieces using a spatula.
Once the beef is no longer pink drain any excess grease. Season with salt and pepper. Bring to a low simmer, stirring often. While the beef is simmering, heat the beans and make the cheese sauce.
Add the beans to a nonstick pan on low heat, stirring occasionally until hot.
Melt the butter in a saucepan over medium-low heat. Whisk in the flour and cook for 1 minute. Whisk in the milk, then add the cheese. Whisk often until it becomes thick, creamy, and smooth. Season with salt and pepper to taste.
To serve: Place the tortilla chips on a large plate. Spoon the beef over the tortilla chips, ladle the cheese sauce over top, along with refried beans, lettuce, tomato, jalapeno (if using), onion, sour cream, and guacamole. Enjoy with beer.