1. Preheat the Oven: Preheat your oven to 375°F (190°C).
2. Cook the Meat: In a skillet over medium heat, brown the ground meat until fully cooked, about 8-10 minutes. Drain excess fat and add taco seasoning per package instructions.
3. Layer the Dip: In a 9×13 inch baking dish, spread the refried beans as the first layer. Top with the cooked meat, followed by a layer of sour cream. Sprinkle the cheddar and Monterey Jack cheeses evenly over the top.
4. Add Veggies: Scatter the diced tomatoes, onions, jalapeños, and black olives over the cheese.
5. Bake: Place the dish in the oven and bake for 20-25 minutes until the cheese is bubbly and slightly golden.
6. Garnish and Serve: Remove from oven, let cool slightly, and garnish with chopped cilantro. Serve warm with tortilla chips or your choice of sides.

Notes

• Vegetarian Option: Substitute ground meat with a plant-based meat alternative or additional beans and veggies.
• Spice Adjustment: Customize the level of spiciness by adjusting the amount of jalapeño peppers or adding hot sauce.