1cupplain Greek yogurtor sour cream for a creamier option
1tablespoontaco seasoning
Layer 4: Fresh Salsa
4medium ripe tomatoesfinely diced
½medium red onionfinely diced
1small jalapeñofinely minced (seeds removed for less heat)
1garlic clovefinely minced
1limejuiced
2tablespoonsfresh cilantrofinely chopped
¼teaspoonground cumin
½teaspoonsalt
½teaspoonblack pepper
Layer 5: Toppings
½cupshredded cheddar cheeseor vegan cheese for dairy-free
¼cupblack oliveschopped
¼cupgreen onionssliced
2tablespoonsfresh cilantrochopped
Instructions
Make the bean base: Mix refried beans with chili powder and cumin. Spread evenly in the bottom of a medium serving dish.
Make guacamole: Mash avocados with lime juice, garlic powder, and salt. Stir in finely diced onion and optional minced jalapeño. Spread the guacamole evenly over the bean layer.
Make tangy yogurt sauce: Mix Greek yogurt (or sour cream) with taco seasoning until well combined. Spread over the guacamole layer.
Make fresh salsa: Combine diced tomatoes, onion, jalapeño, garlic, lime juice, cilantro, cumin, salt, and pepper. Drain excess liquid if needed, then spread salsa over the yogurt layer.
Add toppings: Sprinkle shredded cheddar cheese, black olives, green onions, and fresh cilantro evenly on top.
Serve immediately with tortilla chips or veggies, or cover and refrigerate until ready to enjoy.
Notes
Substitute salsa and guacamole layers with 1½ cups of storebought salsa or guacamole respectively.
This dip scales up beautifully—just use a larger dish and double the ingredients for a big gathering.
While chips are classic, fresh veggies like carrot sticks or bell pepper slices are a great crunchy alternative.