In a large skillet on medium-high heat, brown the beef.

Drain off any rendered fat and place it in a bowl; set aside.

In the same skillet over medium-high heat, add some olive oil, and cook the potato for 3 minutes.

As the potatoes begin to soften, add the onion, garlic, and the bell peppers, cook for another 3 minutes.

Add the zucchini, and cook until the zucchini is done and the potatoes are cooked, about 4 minutes.

Return the meat to the pan.

Add the salsa, chili powder, cumin, salt and pepper.

Add all of the cheese or most if using some as a garnish and mix well.

Once the cheese has melted and the mixture is bubbling, add the beans.

Gently fold them into the pan, taking care not to break them.

Let them simmer in the mixture for about 2 minutes to be warmed through.

Then stuff this mixture into your favorite size of flour tortilla and serve.