Deluxe Hamburger Soup, Momma's Style

2 lbs. ground beef
2 tsps. salt
1/8 tsp. pepper
4 medium carrots, chopped
1 large onion, chopped
3 cups water
1/4 c. Worcestershire sauce (or more)
28-oz. can chopped tomatoes, undrained
2 15-oz. cans undrained white and red kidney beans
Crushed tortilla chips
Grated cheese (marbled jack from Costco is really good)

Brown ground beef; drain excess fat. Stir in remaining ingredients. Simmer covered, 20-25 minutes or until vegetables are tender, stirring occassionally. Top with grated cheese, then crushed tortilla chips. Serves 6.