1️⃣ Sauté Aromatics: Heat olive oil in a large pot. Cook diced onion and minced garlic until softened, about 3-4 minutes.
2️⃣ Brown the Beef: Add ground beef, breaking it up as it cooks. Cook until fully browned, then drain excess grease.
3️⃣ Add Potatoes and Broth: Stir in diced potatoes and chicken broth. Bring to a boil, reduce heat, and simmer for 15-20 minutes until potatoes are tender.
4️⃣ Mix in Dairy: Pour in milk and heavy cream, stirring gently. Heat through, but do not boil.
5️⃣ Melt Cheese: Gradually add shredded cheddar cheese, stirring until fully melted and the soup is smooth.
6️⃣ Season & Simmer: Season with salt and pepper. Simmer for 5-10 minutes to thicken and meld flavors.
7️⃣ Serve: Ladle into bowls and garnish with shredded cheese, bacon bits, or green onions for extra flair.