in bowl combine taco sauce and cream cheese. blend well.

heat bean to just slightly warm. so its easier to spread.

on a serving plate spread cream cheese mix all over bottom of plate.

then spread beans on top of cream cheese.

then spread salsa on top of beans.

then sprinkle cheese all over.

then sprinkle onion, tomato and black olives.

chill until serving.

serve with tortilla chips, fritos, doritos or whatever u like.

enjoy!

try my recipe for homemade refried beans.. has an awesome flavor that goes great with this dip. :)