1 c. Bisquick baking mix
1/4 c. water
1 (16 oz.) can refried beans
1 lb. ground beef, cooked and drained
1 sliced avocado, if desired
1 c. thick taco salsa
1 1/2 c. shredded cheddar cheese

Grease pie plate. Mix Bisquick, water and beans. Spread in pie plate. Layer remaining ingredients on bean mix. Bake 30 minutes at 375 degrees. Serve with sour cream.