Step 1

Brown ground beef until no pink remains, drain if necessary.

Step 2

Return to pan and add 2 tablespoons (or 1 envelope) taco seasoning and ½ cup water.

Step 3

Cook until all liquid is absorbed.

Step 4

In a medium bowl, combine taco meat and refried beans until well combined.

Step 5

Transfer to 13x9 glass dish.

Step 6

In a medium bowl, mix together cream cheese, sour cream, garlic and 2 tablespoons (or 1 envelope) taco seasoning until smooth and creamy.

Step 7

Spread evenly over bean mixture.

Step 8

Top with cheeses, tomatoes and any other toppings you like.

Step 9

Place in refrigerator to chill at least 1 hour before serving.

Step 10

Serve with additional sour cream and tortilla chips.