1 lb ground beef
                1 can refried beans (your choice as to chilies, fat free, etc)
                1 jar of salsa (as much as you like and as hot as you like)
                1 large or medium (depending on how much cheese you like)
               package  Velveeta
                2 packages Taco seasoning mix
                I large container of Sour Cream
                1 bag shredded Mexican cheese

                Preheat oven to 350
                In a large skillet brown ground beef, add the taco seasoning mix,
               salsa,  refried beans and the Velveeta (which you have cut into
               cubes for melting  purposes).  Mix all together until cheese has
               melted.  Season as you like.
                 Pour into a casserole or large souffle dish, spoon sour cream
               on top,  then put shredded cheese on top. Bake in oven till bubbly
               and serve.