1 can refried beans
1 lb. ground beef browned and grease drained off
1 me.d onion, chopped
1 bottle salsa sauce (I use mild)
2 c. shredded cheddar cheese
1 bottle taco sauce
1 pt. sour cream
1 sm. can sliced black olives
1 sm. container guacamole (optional)

Using ingredients as listed, layer in a 9x13 pan. Stop after you add the taco sauce. Bake at 350 degrees for 25 minutes or until cheese is melted completely. Remove from oven.

Carefully spread on sour cream, then spoon on guacamole. Sprinkle with black olives and serve with Tostados chips, Taco chips or corn chips.