Ingredients:

1 lb. lean ground meat (whatever you use)
1 small zucchini, diced (I leave the skin on for extra fiber)
1 small yellow squash, diced (same deal)
1 small onion, diced
1 clove of garlic minced
1 envelope of taco seasoning mix
1 can black beans (I used the spicy kind), drained and rinsed
1 can fat-free refried beans
1 can tomatoes and chiles (or canned diced tomatoes if you don't like the heat)
2 c. shredded Mexican blend cheese (you can do reduced fat or regular but NOT fat free!)

Optional toppings:

Unflavored Greek yogurt
Salsa