– 1 (16 oz) can refried beans – 1 (1 oz) packet taco seasoning – 1 cup sour cream – 1 cup guacamole – 1 cup salsa or pico de gallo – 1 cup shredded cheddar cheese – ½ cup chopped black olives – ½ cup chopped green onions or fresh tomatoes (optional)
Prepare the base: In a bowl, mix the refried beans with taco seasoning until well combined. Spread this mixture evenly in the bottom of a glass baking dish or serving tray.
Layer the sour cream: Carefully spread the sour cream over the bean layer, using a spoon or spatula to keep layers neat.
Add the guacamole: Gently spread the guacamole over the sour cream. Spoon on the salsa: Add a layer of salsa or pico de gallo on top of the guacamole.
Sprinkle the cheese: Cover the salsa layer with shredded cheddar cheese. Top with olives and extras: Finish by adding black olives and, if desired, chopped green onions or tomatoes for a fresh finish.
Chill and serve: Refrigerate for 30 minutes before serving. Serve cold with tortilla chips.