2 (30 oz.) cans refried beans
3 c. mashed potatoes
1 lb. hamburger (omit for vegetarian dish)
2 c. grated cheddar cheese
Salsa

Brown hamburger in large skillet. Add refried beans and cook until heated. Spread mixture in 9x13 pan evenly. Layer mashed potatoes on top, then sprinkle with cheese. Bake in oven at 350 degrees until cheese has melted. Serve with salsa.