On medium heat, brown hamburger meat with the onion in a skillet. In another skillet, add the lard and heat on medium high heat. Add the flour and stirring constantly, cook until the mixture is lightly browned, being careful not to burn the mixture. Add the milk and continue to stir constantly until the gravy is thickened. Salt and pepper the gravy to taste and add the hamburger meat. Spoon the mixture over rice.
Note: If the mixture is too thick, add a little milk to thin slightly.
Sometimes we would have this for breakfast and spoon the mixture over biscuits.