1 c. Bisquick
1/4 c. water
1 can refried beans
1 lb. hamburger, cooked and drained
1 c. thick and chunky taco salsa
1 1/2 c. shredded cheese (taco or Cheddar)

Mix Bisquick, water, and beans. Spread in a greased pie plate or casserole dish. Layer remaining ingredients. Bake for 30 minutes at 375 degrees. Serve with sour cream, if desired.