refried beans (preferably taco bell)
block of cream cheese
taco seasoning (preferably taco bell)
a couple chops of onion (optional)
Grease pie plate or brownie pan.
Preheat oven to 325 degrees.
Spread refried beans into plate/pan.
Mix in a bowl the sour cream, softened cream cheese, and taco seasoning.
Take taco mixture and spread over refried beans.
Add taco blend cheese to top and put into oven for 30 minutes.
Serve warm with tortilla chips.
Additional items to add on top are taco sauce, black olives, lettuce, tomato, anything you would normally add to a taco.