1 - 8oz pkg cream cheese, softened
1 - 8oz sour cream
1 can refried beans
Shredded cheddar cheese
green onions, chopped (optional)
black olives (optional)
Preheat oven to 350. In a 9x9 dish, layer bottom of dish with refried beans. Mix cream cheese and sour cream in a bowl, add taco seasoning to desired taste (I don't think I even use half of the packet). Layer cheese mixture on top of refried beans. Sprinkle cheddar cheese on top. Can garnish with black olives and green onions. Bake until cheese is bubbly and melted. Serve with tortilla chips.