1 c. Bisquick
1/4 c. water
1 1/2 c. shredded Cheddar cheese
1 c. (16 oz.) refried beans
1 lb. cooked & drained ground beef
1 avocado (if desired)
1 c. thick taco sauce

Grease pie plate 10 x 1 1/2 inches. Mix Bisquick, water and beans. Layer remaining ingredients on bean mixture. Bake 30 minutes. Serve with sour cream.