Brown ground beef. Add seasoning mix, 3/4 cup of water, and kidney beans and cook for 15 minutes.
In a 9 x 13 pan (spray with nonstick) layer: corn tortillas, refried beans, the meat and bean mixture, then cheese. Repeat. Add tortilla chips to the top.
Bake in a 350 degree oven for 15 minutes then serve. We served the nacho bake with sour cream on the side.