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In a large stovetop pan, boil ground chuck in 2 cups water until fully cooked and browned. Drain ground chuck then return to the pot.
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In a medium skillet, sauté diced onion in 2 tablespoons oil until translucent.
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Add minced garlic and sauté 30 more seconds. Add onion/garlic mixture to drained ground chuck.
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Add chili seasoning, ground cumin, oregano, salt, black pepper and water, bring to a boil then turn heat to medium-low until liquid is reduced by half.
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While chili is cooking, steam tamales until heated through.
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While chili is cooking, place beans in a small saucepan, add onion powder, salt & pepper, to taste, and cook until heated through.
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To serve:
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Remove husk/paper from tamales and place tamales on a plate.
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Layer chili, beans, onions, ketchup, and cheese on top and serve with saltine crackers and hot sauce.
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Enjoy!