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Using a 9″ skillet pan, pan fry ground beef on medium heat.Season beef with one pack of taco seasoning (approximately 3 tablespoons) and 3 tablespoons of water. Mix together.Spread seasoned beef evenly into bottom of 9×13 glass dish.In a small glass bowl, microwave refried beans for 30 seconds and stir.Lay refried beans on top of the layer of seasoned beef.Mix cream cheese, sour cream and second pack of taco seasoning (approximately 2 tablespoons). More if desired.Spread cheese mixture evenly on top of refried beans.Top next layers with toppings of your choice. In the pictures above, the next layers are shredded cheese, lettuce, tomatoes, onions and green onions.Set in refrigerator for at least 30 minutes before serving.