1 can (16 oz.) refried beans
1 1/2 # ground beef browned with 1 chopped onion
1 pkg. taco seasoning mix
1 bottle taco sauce
8 oz. Monterey Jack cheese

In bottom of 9 x 13 inch pan layer refried beans, hamburger and onion. Sprinkle seasoning mix over top. Pour taco sauce over all. Cover with cheese. Bake at 350 degrees for 15 minutes or until melted and starts to turn golden. Serve with taco chips.