Cook the Beef:
In a large skillet over medium heat, cook the ground beef or steak, breaking it apart. Add taco seasoning and cook until the meat is browned and slightly crispy. Remove from heat.

Prepare the Fries:
Cook French fries in the oven, air fryer, or deep fryer according to package or preferred method. While still hot, season with salt.

Make the Cheese Sauce:
In a saucepan, combine cheddar, Monterey Jack, and milk. Heat over medium-low, stirring constantly until the cheese is fully melted and the sauce is smooth.

Assemble the Burritos:
Lay a flour tortilla flat. In the center, layer cooked beef, a handful of hot fries, and a generous drizzle of cheese sauce. Add optional toppings if desired.

Wrap and Toast:
Fold the sides of the tortilla over the fillings, then roll tightly into a burrito shape. Place seam-side down in a hot skillet and toast for 1–2 minutes per side, pressing lightly with a spatula until golden and crisp.