I like to cook the rice in my instant pot because the consistency seems to be better. If you cook it separately you'll want to start it first. You could also add your rice into the the skillet after you brown the meat along with 3 cups of water. Cover and cook until all of the water has absorbed into the rice.
Start by heating a large skillet over medium heat. Add 1 Tablespoon of oil to the skillet and then add in the onions. Saute for about 3-5 minutes or until they start to soften.
Add in the garlic and stir for another minute. Then add in your ground meat. Brown the meat until cooked through and then add salt and pepper to taste.
Add in your cooked rice or read the note above on how to cook it all in the same pan.
Stir in the beans, taste to make sure there is enough salt, and then stir in the shredded cheese.
Remove from the heat and serve!