Cook the beef in a sauté pan, breaking apart the meat as it cooks, until no longer pink. Then add the taco seasoning and water and stir, cook for another minute. Stir in the refried beans. (If the meat and bean mixture is a little too thick, add a little more water till desired consistency.)
Cook your instant Mexican rice or warm leftover rice. Heat the tortillas in the microwave for 30 seconds.
Assemble: Lay a tortilla flat and add a couple of tablespoons of the meat mixture into the middle of the tortilla. Add a couple of tablespoons of rice over the meat. Layer with fritos, a large spoonful of cheese dip, some shredded cheese and a spoonful of sour cream. Fold the sides in, then start rolling from one end to roll into a burrito. Repeat with the remaining burritos.
You can serve them as is, or heat them in a pan on the stove over medium heat to toast/crisp the outside. Serve immediately with salsa, if desired.
Storing: A homemade Taco Bell beefy melt burrito is really at its best if you serve it fresh - wait too long, and the chips soften up and get mushy. However, you can safely store any leftovers in an airtight container in the refrigerator for up to 5 days.
Freezing: If you're going to freeze these, I would leave out the Fritos so they don't get mushy. Either way, package the burritos individually in plastic wrap plus a layer of foil, and freeze for up to 3 months. Thaw and reheat in the microwave, on the stovetop, or in the oven!
Last-Minute Assembly: Build your burritos right before you are ready to eat, so the Fritos stay crispy. If you try to assemble them ahead of time, the heat of the ingredients will soften the Fritos and make them less appealing.
Toasting Option: You can serve these Taco Bell Beefy Melt Burritos as-is, or heat them in a pan on the stove over medium heat to toast the outside.
Save a Step: Next time you make your favorite rice and/or refried beans, make a little extra to stash in your freezer. Then you'll already have those ingredients on hand if you want to make beefy melt burritos!
Freeze 'Em: If you love the idea of having frozen burritos on hand, you're not alone - so stock your freezer using the Freezing Tips below!