Set your oven to 425°F (220°C) to get it ready for baking.
Arrange the frozen tater tots in one layer across a large baking sheet and bake them for about 20-25 minutes until they turn golden and nice and crispy.
Once the tots are cooked, sprinkle chili powder, garlic powder, paprika, and cumin evenly over them to boost the flavor.
Transfer these seasoned tots to an oven-safe dish or skillet and scatter the shredded cheese generously on top.
Pop the dish back into the oven and let it bake for another 5 to 7 minutes until the cheese bubbles and melts beautifully.
Take the cheesy tots out of the oven and pile on black beans, diced tomatoes, chopped red onion, sliced jalapeños, and olives.
Finish off by topping with creamy avocado slices, sour cream, and fresh cilantro. Serve with lime wedges and add hot sauce or salsa on the side if you like a little extra kick.