1 (8 oz.) pkg. cream cheese
1 (1 lb.) can refried beans
1 jar salsa
1 pkg. shredded mild Mexican cheese or Kraft Velveeta

With a fork, spread cream cheese on the bottom of a glass pie dish. Then spread a layer of refried beans, then a layer of salsa. Top with cheese. Bake at 375 degrees until cheese on top is bubbling. Serve with tostitos white corn chips.