Cook the Ground Beef – In a skillet over medium heat, cook the ground beef until browned and no longer pink. Drain excess fat. Add taco seasoning and water, stir well, and simmer for 2-3 minutes. Remove from heat and let cool slightly.
Prepare the Cheese Mixture – In a medium bowl, mix cream cheese, sour cream, shredded cheddar, green onions, black olives, and jalapeños (if using). Stir until well combined.
Assemble the Pinwheels – Lay a tortilla on a flat surface and spread a layer of the cheese mixture evenly, leaving a small border around the edges. Add a portion of the seasoned ground beef evenly over the cheese.
Roll the Tortillas – Starting from one end, tightly roll the tortilla into a log. Wrap in plastic wrap and refrigerate for at least 4 hours or overnight to firm up.
Slice and Serve – Unwrap and use a sharp knife to cut the rolls into 1-inch pinwheels. Arrange on a platter and serve chilled or at room temperature.
