In a skillet over medium heat, cook the ground beef until browned. Drain excess fat. Add taco seasoning and ½ cup water. Simmer for 5 minutes until thickened.
Warm the rice and beans if needed. Lay out each tortilla and layer with a scoop of beef, rice, beans, and a generous sprinkle of cheese. Add sour cream or salsa, if using.
Fold in the sides and roll tightly from one end to the other. Place seam-side down.
Option 1 – Grill: Heat a skillet with a little oil or butter over medium heat. Grill each burrito 2–3 minutes per side until golden and crisp.
Option 2 – Bake: Place burritos in a baking dish, top with more cheese or enchilada sauce if desired, and bake at 375°F (190°C) for 15–20 minutes.
Serve hot with your favorite toppings or dipping sauces.