Brown the hamburger and onions in a soup pot.

Add everything else - I always drain the kidney beans because I think that syrupy stuff looks nasty, but if you decide to keep it in, you probably won't need as much water. In fact I add the water last and put in just enough to make it the consistency I like (more water = more soupy ; less water = more like a stew)

Bring to boil and then turn down the heat to simmer until heated through and the flavors have blended.

Serve with cheese, sour cream, green onions, tortilla chips, and any other garnish that sounds particularly tasty.