Preheat oven to 400

Brown ground beef in a pan, add taco seasoning, let simmer. Add cream cheese and velvetta, let simmer on low til the cheeses are melted, mix well.

Grease a baking dish, add refried beans to the bottom, a big layer of tortilla chips

Then add the beef mixture, followed by lots of cheese

Bake for about 15- 20 min until cheese is melted and bubbly

Add whatever toppings you’d like and enjoy!!