2 cans refried beans
1 pkg. taco seasoning
1 (8 oz.) pkg. cream cheese, softened
1 (16 oz.) tub of sour cream
1 pkg. Mexican taco cheese
1 bag tortilla chips

Mix refried beans and taco seasoning together. Spread out in bottom of 9 X 13-inch pan. Soften cream cheese and mix with sour cream. Spread on top layer of beans. Sprinkle shredded taco cheese on top. Serve with tortilla chips.