Layered Mexican Dip

Ingredients:
1 lb ground beef, browned and drained
1 can refried beans
1 jar salsa
1 envelope taco seasoning
3 cups shredded Cheddar or Monterrey Jack cheese
1 pint sour cream
optional - black olives, jalapenos

Spray a large casserole dish with pan spray. Preheat oven to 350 degrees. After draining ground beef, return to pan and add taco seasoning as indicated on envelope. Spread refried beans in bottom of dish. Add all of the ground beef on top of beans. Add a layer of salsa and cheese. Top with sour cream. Bake for 20 minutes or until hot and bubbly. Top with black olives or jalapenos, if desired. Serve with nacho chips. (Note: you may add a layer of guacamole.)