1 lb. ground beef
1 lg. onion
4 cloves crushed garlic
16 oz. jar salsa
16 oz. can refried beans
1 lb. grated Cheddar cheese
1 bag dip sized corn chips

Brown ground beef in a large pan. Discard grease. Add onion and garlic. Cook until onion is done. Stir in salsa and refried beans. Continue cooking until hot. Add Cheddar cheese. Cook and stir until cheese melts and blends in.

If you like spicy food, use the hottest salsa you can find (I use "Salsa Ranchera") and add your favorite hot pepper along with the onions and garlic. Serve with corn chips for dipping.