Cook the ground meat, onions, and garlic in a high-walled Sauté pan over medium heat until meat is brown and onions and garlic are soft and fragrant

Drain off most of the meat fat, reserving about 1/4 cup for flavor

Return the meat and vegetables to the heat in a large stockpot

Add beans, tomatoes, and reserved meat fat

Heat until warm, then add salt, pepper, and chili powder to taste

Serve with sour cream, crackers, and cheese