1 can refried beans
1/2 pkg. taco mix (can use whole pkg., if desired)
3 oz. cream cheese
1 c. sour cream
1 pkg. frozen guacamole (or use a ripe mashed avocado)
3 1/2 oz. can ripe olives, chopped
1 sm. onion, chopped fine
1 tomato, chopped fine
1/4 head lettuce, chopped
1 c. shredded Cheddar cheese
1 med. jar salsa
Plain tostado chips

Heat the refried beans and taco mix; cool. Mix the cream cheese and sour cream with the cooled bean mixture.

Arrange the above mixture on a large platter. Then layer the guacamole as the next layer. Continue layering the remaining ingredients (except the chips) one at a time. Serve the chips on the side.