01 - Preheat oven to 400°F. Prick each potato several times with a fork, rub with olive oil and a light sprinkle of salt, then place directly on the oven rack. Bake for 60 to 70 minutes until skins are crisp and interiors are fork-tender.
02 - While potatoes bake, heat olive oil in a large skillet over medium heat. Add diced onion and cook until softened, about 2 to 3 minutes. Add minced garlic and sauté for an additional 30 seconds.
03 - Add ground beef to the skillet, breaking it up with a spoon. Cook until browned and cooked through. Drain excess fat if needed.
04 - Stir in taco seasoning and water. Mix thoroughly and bring to a simmer. Cook for 3 to 4 minutes or until mixture thickens slightly. Adjust salt and pepper to taste.
05 - Allow baked potatoes to cool slightly. Cut a lengthwise slit in each and gently fluff interiors with a fork.
06 - Fill potatoes generously with taco meat. Top with cheese, diced tomatoes, sour cream, black olives, avocado, green onions, cilantro, and salsa or hot sauce as desired.
07 - Serve immediately so everyone can customize their toppings.