Preheat oven to 375°F. Spray a 9 x 13-inch baking dish with cooking spray and set aside. Cook beef and onion in a large skillet over medium-high heat, until meat is no longer pink (about 5-7 minutes). Drain.
In a separate large bowl, whisk together the condensed soups and milk. Add the cooked beef mixture and stir to combine. Season with salt and pepper to taste (I use ½ teaspoon of salt and about ¼ teaspoon of pepper).
Transfer to the prepared baking dish. Sprinkle the cheddar cheese over top. Finish with a layer of Tater Tots.
Bake the casserole uncovered for 35-40 minutes (or until the inside is hot and bubbly and the Tater Tots are crispy and golden brown). If using French-fried onions, add them to the top of the casserole during the final 15 minutes (this will allow them to get browned and crispy without burning).
Let the casserole rest for about 5-10 minutes before serving. Garnish with chopped fresh parsley or other herbs, if desired.
Video
Notes
For a casserole with even more veggies, use larger cans of corn and green beans.
Swap out the ground beef and use ground chicken or ground turkey instead.
Any combination of condensed soup flavors will work. For instance, swap out the cream of celery for cream of chicken, or just use two cans of cream of mushroom.
Add 1-2 teaspoons of Worcestershire sauce to the ground beef mixture for a salty, umami flavor.