1 T unsalted butter, melted
1 T all purpose flour (I use white whole wheat)
1/2 cup milk
1 cup shredded Mexican blend cheese
1 can chili beans (I like Bush's brand chili beans in sauce, but any will do)
Put melted butter and flour in a pot. Stir and cook over medium heat for about 5 min. Whisk in the milk a bit at a time until you get a paste, almost gravy like. Melt in and stir the cheese. Turn off the heat. Stir in the can of chili beans, sauce and all (not plain beans). Serve with chips.
I'd have to say this is the second most requested lunch by my kids. Serves 4.