1 c. Bisquick
1 c. refried beans
1/4 c. water
1 lb. hamburger, browned and drained
1 c. hot or mild thick and chunky salsa
1 1/2 c. shredded Cheddar cheese

Mix Bisquick, refried beans and water together. Spread in 10 inch pie plate. Layer hamburger, salsa and cheese. Bake at 375 degrees for 25 to 30 minutes.