Poor Potatoes Casserole

1 1/2 pounds ground beef (20% fat or less)

1 1/2 pounds of potatoes

1 can of chili beans (any brand (15.5oz))

1 can of your favorite beans (drained (15.5oz) - my favorites are pinto or kidney beans)

1 teaspoon of black pepper

15 oz of grated cheese (cheddar, white cheddar, pepper jack, etc.)