
This no-cook dip is a one-dish fiesta with beans, guacamole, cheese, and salsa.
Place salsa in a sieve and drain the liquid into a small bowl (this keeps your dip from getting runny).
In a small bowl, combine refried beans and milk (or you can use the liquid from the salsa if you prefer). Mix until smooth and spread in the bottom of a 2 qt baking dish or pan.
In a bowl, mix cream cheese, sour cream and taco seasoning with a hand mixer on medium speed. Dollop the cream cheese mixture over the beans and spread evenly.
Spoon guacamole over cream cheese and gently spread. Add the drained salsa and gently spread.
Top with cheese, olives/tomatoes and green onions.
Chill 1 hour before serving. Serve with tortilla chips or crackers.