Making Cowboy Queso is straightforward if you follow these easy steps:

1. Cook the Meat: In a large skillet over medium heat, add ground beef or chorizo, breaking it up with a wooden spoon. Cook until browned, about 5-7 minutes. Drain excess fat if necessary.
2. Add Onion and Garlic: Stir in the diced onion and minced garlic, cooking for another 3-4 minutes until softened.
3. Combine Tomatoes: Add the can of diced tomatoes with green chilies to the skillet, mixing well to incorporate all flavors.
4. Season: Stir in the cumin, chili powder, salt, and pepper, allowing the spices to meld for about 2 minutes.
5. Incorporate Beans: Gently fold in black beans, ensuring they are evenly distributed throughout.
6. Melt the Cheese: Reduce heat to low and add shredded cheddar and Monterey Jack cheeses to the mixture. Stir continuously until the cheese is fully melted and creamy.
7. Add Milk (Optional): If you’d like a thinner consistency, add milk or cream as desired, stirring to combine.
8. Garnish: Sprinkle with fresh cilantro, if using, before serving.

These steps will lead you to an impressive Cowboy Queso that’s bound to be the star of any gathering!