For a spicier kick, use a hot salsa or add a diced jalapeño to the mix. You can also substitute the black beans with pinto beans for a different flavor. If you’re looking to make it a bit creamier, add a block of cream cheese about an hour before serving and let it melt into the sauce. For a lighter version, use reduced-fat cheese and a low-sodium taco seasoning packet. This dish is versatile and can easily be adapted to suit your taste preferences.