1 (15 oz.) can refried beans (regular, not fat free!)
1 (8 oz.) pkg. cream cheese (full fat or 1/3 less fat is fine)
1 (15 oz.) can regular or chunky chili with beans (any brand though I prefer Armour chili in this recipe because it makes it taste so good!)

Open the chili and refried beans and empty into large bowl, mix together lightly. Then open cream cheese and drop on top of bean mixture.

Note: You can give it a quick stir but don't mix completely since it tastes good chunky and uneven.

Microwave for 6 minutes or until warm enough for eating, stir 2 or 3 times.

Serve with chips. Tastes good with everything!

Submitted by: Ironman964