Cook (or re-heat) beef in a skillet. Add ranch style beans and BBQ sauce and simmer on low and then pour in a casserole dish.
Mix milk, Bisquick, and 1/4 cup cheddar cheese together. Drop spoonfuls on the beef mixture.
Bake uncovered at 425 degrees for 25 minutes or until the top is golden brown. Add the remaining cheddar cheese to the top and bake for an additional 3-5 minutes.
Recipe by Melissas Bargains at http://www.melissasbargains.com/cowboy-casserole/