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Heat 1 tbsp olive oil over medium heat. Add garlic and cook until fragrant ~ about 1 minute.
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Add beans, cream, and 1/2 cup water.
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Once the mixture is warmed through, mash beans lightly with a potato masher or fork.
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Add water, if needed, to create a loose, creamy consistency. Stir in both cheeses and season with salt and pepper. Turn the heat to low and put a lid on it to keep it warm.
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Heat 2 tablespoons olive oil in a large skillet over high heat and add kale, season with salt and pepper, and cook, stirring frequently, until it wilts and start to get a little crisp, about 4 minutes. Stir in lemon juice and place in a bowl.
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Prepare the fried egg. Heat 1 tablespoon oil in skillet over medium-high heat. Add eggs, season with salt and pepper, and cook until whites are set but yolks are still runny, about 3 minutes. It is easier to make them individually if you don't have a large pan. If you prefer to cook the eggs yolks a bit more, put a cover on the pan for a minute.
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Add the bean mixture to the plates. Top with kale, then egg. Sprinkle with scallions and jalapeños. Maybe a little Sriracha and eat up!