brown ground beef and a taco seasoning

soften cream cheese in large bowl then add sour cream and more taco seasoning

layer bottom of baking pan with cream cheese/sour cream mix

second layer cooled taco ground beef

third layer chopped up tomato and onion( lettuce opitional )

fourth layer shredded chedder cheese or whatever kind of cheese u like

now u can eat this cold or heated up( I prefer heated up cause its easier to get onto a chip

get bag of tortilla chips and dip away