Step 1

Stir the cream cheese and taco seasoning in a small bowl until the mixture is smooth. Spread the cream cheese mixture on the bottom of a shallow serving dish.

Step 2

Spread the beans over the cream cheese mixture. Top with the salsa, cheese and lettuce.

Step 3

Top with the olives and tomatoes, if desired. Serve immediately or cover and refrigerate until ready to serve. Serve with the tortilla chips for dipping.