| 1 package | Taco Seasoning |
| 1 lb | Ground Beef |
| | Water |
| 16 oz | Can Refried Beans |
| 1 cup | Grated Cheddar Cheese |
| 2 1/4 oz | Can sliced black Olives, drained |
| 1 | Large Tomato, chopped |
| 1 | Large Avocado, mashed (or Guacamole) |
| 3/4 cup | Sour Cream |
| 1 cup | Salsa |
| 1/4 cup | Thinly sliced green onions |
| | Tortilla Chips |
In medium skillet prepare taco seasoning with ground beef and water according to package directions. Add refried beans to skillet and heat 5 minutes. In pan spread beef mixture. Layer remaining ingredients except chips in order above.
Serve with Chips.