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Preheat the Oven:
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Preheat your oven to 350°F (175°C).
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Prepare the Crust:
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Combine the crushed tortilla chips and melted butter in a mixing bowl. Press the mixture firmly into the bottom and up the sides of a 9-inch pie plate to form a crust.
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Bake the crust in the preheated oven for about 10 minutes until it is set and beginning to brown. Remove from oven and set aside.
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Cook the Filling:
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In a skillet over medium heat, cook the ground beef and chopped onion until the beef is browned and the onion is translucent. Drain any excess grease.
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Stir in the taco seasoning mix and water. Bring to a boil, then reduce heat and simmer for 5 minutes until thickened.
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Assemble the Pie:
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If using refried beans, spread them over the bottom of the baked crust.
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Spoon the seasoned beef mixture over the beans.
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Spread sour cream over the meat layer, and then sprinkle with shredded cheese.
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Bake the Taco Pie:
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Bake in the oven for about 15-20 minutes, or until the cheese is melted and bubbly.
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Add Cold Toppings:
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Remove the pie from the oven and immediately top with shredded lettuce, chopped tomatoes, black olives, and jalapeños, if using.
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Serve:
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Cut the taco pie into wedges and serve with salsa, guacamole, and additional sour cream on the side.