In a large frying pan add ingredients below and brown.
1 pound of hamburger fried or ground turkey...after cooked drain on paper towel.
Add 1 package of taco or chili seasoning mix to the hamburger /turkey that is cooked (optional add some cayenne pepper for more heat!).
Add 1 can refried beans and mix with hamburger and taco seasoning.
Pour in an oven proof baking pan or microwaveable dish .
Spread over the top:
1- 16 oz ( a large container )of sour cream spread over the top, sprinkle one package 2 cups or more of shredded sharp cheddar or Mexican blend cheese over top...microwave till hot and cheese is melted, pass the tortilla chips.
**** shredded lettuce and tomatoes can be added along with chopped black olives and jalapenos for a layer bean dip.