- Preheat Oven: Preheat oven to 350°F (180°C). 
- Layer Nachos: In a baking dish, layer tortilla chips, shredded cheddar and Monterey Jack cheese, black beans, corn, diced tomatoes, black olives, and red onion. 
- Add Toppings: Top with diced avocado, chopped cilantro, and sliced jalapeño (if using). 
- Bake: Bake for 10–15 minutes, or until the cheese is melted and bubbly. 
- Serve: Serve warm with sour cream, salsa, and a sprinkle of cumin and chili powder. 
