1 can refried beans
1 pound ground beef, cooked with taco seasonings
1 medium jar salsa
3/4 pounds cheddar cheese, grated
1 cup sour cream
serve with tortilla chips
Layer all ingredients in 9X13 pan. Bake at 350 for 20 minutes. Spread with sour cream, top with tomatoes, olives, or whatever other ingredients you desire. Serve with tortilla chips.