1 c. Bisquick
1/4 c. water
1 (16 oz.) can refried beans
1 lb. ground beef, cooked & drained
1 avocado, sliced (opt.)
1 c. thick salsa
1 1/2 c. shredded cheddar cheese

Preheat oven to 375 degrees. Grease 10" pie plate. Mix Bisquick, water and beans. Spread in pie plate. Layer remaining ingredients on bean mixture. Bake 30 minutes. Serve with sour cream, if desired.