Sauté onion + garlic, brown beef. Add spices, cook 1 min. Add tomatoes + stock + beans, simmer 25–30 min until thick and saucy. Adjust salt/sweet.
Warm tortillas. Build: tortilla → a big scoop of chili → shredded cheese (cheese under chili helps melt) → optional onions/jalapeños → fold and roll tightly.
Optional grill: place seam-side down on hot pan for 1–2 min to seal, making a warm melty exterior.