Brown the beef: Heat a large skillet over medium-high.
Add oil if using, then the ground beef. Break it up and cook until well browned, about 6–8 minutes. Drain excess fat if needed, leaving about 1 tablespoon in the pan for flavor.
Sauté aromatics: Add the chopped onion and a pinch of salt.
Cook 3–4 minutes until softened. Stir in the garlic and cook 30 seconds until fragrant.
Bloom the spices: Add chili powder, cumin, paprika, oregano, black pepper, and red pepper flakes. Stir for 30–45 seconds to toast the spices.
Mix in the tomato paste and cook 1 minute to caramelize slightly.
Make it saucy: Pour in the beef broth and scrape up any browned bits. Simmer 2–3 minutes to reduce slightly.
Go creamy: Reduce heat to low. Add the cream cheese and stir until melted and smooth.
Fold in the sour cream until the mixture is glossy and creamy.
Add the cheese: Sprinkle in the shredded cheese and stir until melted. Squeeze in the lime juice. Taste and adjust salt or spices as needed.
Assemble bowls: Divide shredded lettuce between bowls.
Spoon the creamy taco beef on top. Add diced avocado, cilantro, and pickled jalapeños. Finish with salsa or hot sauce if you like.
Serve hot: Enjoy right away while the beef is creamy and warm against the cool, crisp toppings.