Making Cowboy Queso is quite straightforward if you follow these easy steps:

1. Cook the Meat: In a large skillet over medium heat, add the ground beef. Cook until browned and fully cooked, breaking it apart as it cooks.

2. Add Onions and Garlic: Stir in the diced onion and minced garlic. Cook for another 3–4 minutes, or until the onions are translucent.

3. Mix in Spices: Season the mixture with chili powder, cumin, salt, and pepper. Stir well to combine all the flavors.

4. Add Tomatoes: Pour in the can of diced tomatoes with green chilies. Stir to mix and let simmer for about 3 minutes.

5. Incorporate Cheese: Lower the heat and add the cream cheese, shredded cheddar, and Monterey Jack cheese. Stir until melted and creamy.

6. Pour Milk: Slowly add the milk, stirring constantly. Allow the mixture to heat until it’s smooth and creamy. You can adjust the thickness by adding more milk if needed.

7. Simmer: Continue to cook on low for another 3–4 minutes while stirring occasionally. Ensure everything is heated through.

8. Garnish: Once fully cooked, sprinkle with fresh cilantro, if desired.

9. Serve Warm: Transfer the Cowboy Queso to a serving dish or keep it in the skillet for a rustic look.

This straightforward process ensures you create an incredible dip that friends and family will rave about!