You will need:
1 c. sour cream (light works great!)
2- 8 oz. bars of cream cheese (the 1/3 less fat stuff works too!), softened
1 can of bean dip (...OR 1 can of fat free refried beans)
8 oz. bag of cheddar or mexican blend shredded cheese
8 oz. taco sauce
Mix sour cream, cream cheese and bean dip/refried beans together with mixer. Spread into the bottom of a 9x13 dish. Then layer with cheese, taco sauce, lettuce and tomato. Serve with tortilla chips. ENJOY!!
Note: I wait to add the lettuce until just before I am ready to serve so that it is crisp. You can also add black olives and onions into the layers, if you choose!