Prepare the refried beans: In a small bowl, mix the refried beans with the taco seasoning. Stir until well combined. You can adjust the seasoning amount based on your preference.
- Layer the beans: In a 9×9-inch or similar-sized dish (or a large shallow bowl), spread the seasoned refried beans evenly along the bottom to form the first layer.
- Add the sour cream: Spread the sour cream evenly over the layer of refried beans.
- Add guacamole (optional): If using, spread the guacamole over the sour cream layer. This adds an extra layer of creaminess and flavor to the dip.
- Add the salsa: Spoon the salsa over the guacamole (or sour cream if you’re skipping the guacamole). Make sure it’s spread evenly across the surface.
- Top with cheese: Sprinkle the shredded cheddar cheese (or Mexican cheese blend) evenly over the salsa.
- Garnish: Add the sliced black olives and chopped green onions on top for color and extra flavor. If desired, garnish with fresh cilantro for an extra burst of freshness.
- Serve: Serve the dip with tortilla chips, crackers, or fresh veggies like celery, carrots, and bell peppers for dipping.