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This dip starts with a layer of cooked ground beef, onion, garlic and salsa in the bottom of a large baking dish, then adds layers of refried beans, black beans, dollops of cream cheese, and shredded cheddar.
Preheat oven to 300. Brown ground beef, chopped onions, and crushed garlic; drain fat. Add salt, pepper, and salsa; stir together. Place meat mixture in bottom of 13x9 baking dish. Spread refried beans on top of meat. Add black bean layer. Next, using a large spoon, drop cream cheese on top to cover black bean layer. Sprinkle shredded cheese over all. Cover with foil and bake 30-40 minutes until heated thru.
Number of Servings: 10-20
Notes from the Cook: Serve as a dip with tortilla chips, or spread onto tortilla shells and eat like a burrito.