1 box instant refried beans
1 bag tortilla chips
1 jar salsa
1 c. grated cheddar cheese
1 Avocado mixed with 1 tbsp. lemon juice
1 c. sour cream

Prepare refried beans as directed. Place tortilla chips in a shallow baking pan and top with beans. Spread a layer of salsa and top with Cheddar cheese (or Monterey cheese). Heat in oven until cheese is melted. Spread a layer of guacamole and a layer of sour cream.