Take cream cheese out early.
Let it sit for 30 minutes.
This makes mixing much easier.
Shred your cheese if needed.
Chop the green onions finely.
Drain the olives well.
Open all your cans now.
Add refried beans to your bowl.
Mix in the taco seasoning well.
Spread this mixture in baking dish.
Make it smooth and even.
This is your first layer.
Press it down gently.
Beat cream cheese until fluffy.
Add sour cream and mix well.
The mixture should be smooth.
Spread this over bean layer.
Use your spatula carefully.
Cover the beans completely.
Sprinkle cheddar cheese on top.
Add Monterey Jack cheese next.
Spread the diced green chilies evenly.
Add black olives all over.
Top with green onions.
Add jalapeños if you like spice.
Preheat your oven to 350°F.
Bake for 20-25 minutes.
The cheese should melt completely.
The edges will bubble nicely.
Watch it carefully near the end.
Let it cool for 5 minutes.
Serve with tortilla chips.
You can add fresh cilantro.
Sour cream on top looks great.
Enjoy while it's warm!