1 (16 oz.) can refried beans
1 1/2 c. shredded cheese (Monterey Jack or Cheddar)
1 c. guacamole
1 (16 oz.) carton sour cream
1 (12 oz.) jar salsa
1 1/2 c. shredded lettuce
1 c. chopped tomato
1 med. onion, finely chopped
1/4 c. sliced jalapenos (more if you like it hot!)
Nacho chips

In clear glass pie plate, layer in the following order:

Bottom: refried beans, sour cream, 1/2 of the cheese, guacamole, other 1/2 of the cheese, onion, salsa, lettuce, tomatoes.

Sprinkle with jalapenos. Refrigerate until ready to serve. Serve with Nacho chips.