1 (8 oz.) jar chunky taco sauce
1 (16 oz.) can refried beans
1 pkg. taco seasoning mix
16 oz. sour cream
Shredded cheese
Chopped onions
Sliced black olives

Mix taco sauce and refried beans together; heat beans a little. Put mixture on bottom of dish. Mix taco seasoning with sour cream and put on top of refried beans mixture. Top with cheese, onions and olives. Serve with nacho chips.