2 lbs. hamburger
1 pkg. taco seasoning
1 can refried beans
1 (16 oz.) carton sour cream
2/3 to 1 jar hot (or mild) taco salsa
Cheddar cheese (a bunch)
Tostito chips or warm flour tortillas

Brown hamburger (drain grease). Add 1 package taco seasoning and 1 can refried beans. Mix well and heat until warm.

LAYER 1: Layer hamburger mixture in 9 x 13 inch pan (or use two 9 x 9 inch or 2 round cake pans - use one now, refrigerate or freeze other).

LAYER 2: Mix together 16 ounce carton sour cream and taco salsa.

LAYER 3: Cover with at least 1 1/2 to 2 inches grated cheddar cheese. Bake at 350 degrees for 1/2 hour (may reheat in oven or microwave). Serve with tostitos or taco chips or pile in warm flour tortillas and roll.