1 can of refried beans
1/2 to 3/4 lb. of ground beef flavored with taco seasoning
Sour cream
1 sm. jar salsa
Taco cheese (shredded)

I put these in layers in a casserole (rectangular size.) Layer the ingredients in order as stated above. (#1 on bottom, #2 next etc.). Bake at 350 degrees for 10 to 15 minutes. Serve with tortilla chips.