Prepare the Potatoes: Peel and chop the Yukon Gold or Russet potatoes into chunks, place in salted water, boil for 15-20 minutes until fork-tender, drain, and cool slightly before mashing.

Make the Mashed Potatoes: Combine drained potatoes, butter, milk, and salt in a mixing bowl; mash until creamy. Stir in cheddar cheese and set aside to cool.

Combine the Meatloaf Ingredients: In a large bowl, combine ground beef, breadcrumbs, eggs, onion, garlic, Worcestershire sauce, salt, and pepper. Mix gently until just combined.

Form the Meatloaf: Transfer the mixture to a baking dish, shape it into a loaf, and create a well on top for mashed potatoes.

Bake the Meatloaf: Preheat oven to 375°F (190°C) and bake uncovered for 30-35 minutes until edges brown and internal temperature reaches 160°F (70°C).

Add the Mashed Potatoes: Spread prepared mashed potatoes over the meatloaf, smoothing them out to cover completely.

Sprinkle Cheese and Bacon: Add remaining cheddar cheese over potatoes and sprinkle bacon bits if using.

Final Bake: Return to the oven and bake for another 20-25 minutes until cheese is bubbly and golden.

Broil for Extra Crispiness: Broil for 2-3 minutes for a crispy topping, watching closely to avoid burning.

Rest and Garnish: Let the meatloaf rest for 10 minutes, garnish with chopped chives or parsley, and serve.