1 cup Monterey Jack cheese, shredded (1 cup ≈ 3 oz)
1 avocado, pitted, peeled and thinly sliced
1 cup packed shredded romaine lettuce
In a small pot, heat oil over medium. Add onion and garlic and cook until onion is soft and garlic is fragrant, 3 minutes. Add cumin and cook until fragrant, 1 minute. Add beans, water, salt, and pepper, and simmer until beans are heated through, 3 minutes. Mash in pan with wooden spoon.
Season to taste with salt and pepper if needed. Serve with tortillas, cheese, avocado, lettuce, and jalapenos.