Mexican Layer Dip

this is the best stuff ever! Really.......it is

Ingredients:
2 (8oz) pkgs cream cheese, softened
1 envelope dry taco seasoning
2 tbsp milk
1-2 tbsp salsa
2 tsp chili powder
1 (15 oz) can refried beans

Toppings:
Shredded lettuce
chopped tomato
shredded cheddar cheese
diced green onions
sliced black olives

Directions:
In a large mixing bowl, combine cheese, taco seasoning, milk, salsa, & chili powder. Combine well and spread into the bottom of a casserole or serving dish.

Layer the refried beans over the cream cheese mixture, spread evenly. Refrigerate the dip for about an hour, until it sets.

Top it off with your favorite toppings and serve with tortilla chips.