Heat a pan and put-in the cooking oil.

Add the ground beef and cook until the color turns light brown.

Put-in the taco seasoning and water. Stir, let boil, and cook for 15 to 20 minutes. Note: add water as necessary.

Add the refried beans and cook for 5 minutes.

Sprinkle salt and pepper. Turn the heat off, and then set aside.

Place the tostada shell in a plate, and then top with cooked ground beef.

Arrange lettuce, tomatoes, sour cream, and cheese on top of the ground beef.

Serve. Share and enjoy!