1 pound ground beef
8-ounce jar taco sauce (your choice of mild, medium or hot)
8 ounces cream cheese, softened
16 ounces sour cream
1-ounce package taco seasoning
1 16-ounce can refried beans
1 1/2 cups shredded cheddar cheese
1/2 cup shredded lettuce
1 cup diced tomatoes
2-ounce can sliced black olives, drained
2 green onions, diced

Brown the ground beef. Drain the fat, and add the taco sauce. Mix well, and set aside.

In a bowl, beat the cream cheese until smooth. Add in the sour cream and taco seasoning. Mix well.

In a 9 x 13-inch baking dish, begin layering the ingredients in this order: refried beans, cream cheese mixture, ground beef, cheddar cheese, lettuce, tomatoes, black olives and onions.

Chill for at least 30 minutes before serving with chips.