1 can refried beans
1 (16 oz.) container sour cream
1 container avocado dip (optional)
1 (8 oz.) pkg. shredded Cheddar cheese
1 pkg. taco sauce mix (dry)
Shredded lettuce
1-2 chopped tomatoes
Black olives (optional)

In a cake pan, or a round, flat dish, layer refried beans first, then mix sour cream, avocado dip, and taco sauce together and spread on bean layer. Then layer on lettuce, then cheese, and finally tomatoes. Top with black olives, if desired. Serve with nacho chips.