Step 1

Melt butter in a skillet.

Step 2

Add onion and saute until translucent. Add garlic and cook until fragrant over low heat.

Step 3

Add refried beans, break up and combine with butter, onion, and garlic.

Step 4

Add half and half, stir.

Step 5

Add sour cream

Step 6

Season with salt, pepper and cumin to taste (I used 1 teaspoon of each).

Step 7

Add cheese.