Save when you need an easy appetizer for your next cookout! 
This honestly reminds me of a Mexican pizza and everyone always loves it!
Hot Bean Dip
1 8oz pkg of cream cheese
1 cup sour cream
1 pkg taco seasoning
1 can refried beans
1 cup Mexican cheese
Mix cream cheese, sour cream, and seasoning together. Spread in 8x8 pan.
Spread refried beans over cream cheese mix.
Sprinkle cheese on top.
Top with diced tomatoes and black olives.
Bake 350° for 20 minutes.
Grab tortilla chips & enjoy!