Preheat oven to 350°F (175°C).

Heat a large skillet over medium-high heat. Add ground beef and cook for 8–10 minutes, breaking it apart with a wooden spoon, until no pink remains.

Drain excess fat, leaving a small amount for flavor.

Transfer cooked beef to a large mixing bowl. Add softened cream cheese, shredded cheddar, sour cream, and milk.

Sprinkle in onion soup mix, garlic powder, black pepper, cayenne (if using), and salt to taste. Stir until the mixture is smooth and evenly combined.

Spread the mixture evenly into a 9×13-inch baking dish.

Bake uncovered for 20–25 minutes, until the edges are bubbly and the center is hot.

Remove from oven and let rest for 3–5 minutes before serving.

Serve warm with tortilla chips, crackers, or bread.