Preheat the oven to 375º F.
Brown the ground beef and set aside 3-4 tbsp of fat from the meat and drain the rest.
Once drained, add the frozen veggies, salt, and pepper to the meat.
In a separate sauce pan, mix the leftover beef fat and flour to create a roux. Once the roux is completed, pour the beef broth into the mixture and stir vigorously to create a gravy. Stir until the gravy is smooth. Salt and pepper the gravy to taste. Pour the gravy over the meat and veggie mixture and stir everything together.
Place the mixture into a deep casserole dish and spread into an even layer.
Once your mashed potatoes have been made (can be fresh, or, boxed), add in the cream cheese and stir until combined. Salt and pepper to taste. Once the potatoes are done, spread into an even layer over the meat mixture.
Sprinkle the cheddar cheese on top and bake for 20 minutes, or, until the cheese is bubbly and golden on top.