Prep all ingredients. Preheat oven to 400 degrees.
In a large oven safe skillet, heat oil over medium. Add onion and garlic, and cook until translucent.
Turn heat to medium high and add in ground beef and taco seasoning. Use a spatula to break up the beef and cook until no longer pink.
Turn heat back to medium and stir in half and half, tomato sauce, salt, pepper, and cornstarch. Cook until sauce has thickened and begins to bubble and pull away from the sides of the skillet — About 5-10 minutes.
Remove from heat, top with cheese and arrange frozen tater tots in circles around the skillet. Bake for 25-30 minutes, until tots are golden brown and cheese is fully melted.
Prep toppings while you wait.
Remove from oven and layer toppings directly in the skillet, or dish into bowls/plates and let individuals add toppings. ENJOY!