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Heat a large pot or saucepan over medium high heat.
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When the pot is heated spray with cooking oil and add in the onion and garlic.
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Sauté for a couple minutes then add in the brown rice and lentils.
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Add in the vegetable stock, stir and bring to a boil.
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Once boiling, cover and reduce the heat to low.
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Simmer for 30-40 minutes, or until lentils and rice are tender.
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If there is any excess liquid drain it.
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Season the rice and lentils with salt, pepper, chili powder, cumin and chipotle powder.
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Add in all of the remaining ingredients except 1/4 cup of the cheese and stir together.
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Heat the mixture until the cheese is melted.
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Top with the remaining cheese and cover with a lid.
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Heat on low until the cheese is melted and the mixture is bubbly.