Taco Chip Dip - cooking recipe

Ingredients

1 (8 oz.) cream cheese bar
1 can refried beans (optional)
1 can Hormel chili (no beans)
1 (8 oz.) bag Monterey Jack cheese, shredded

Preparation

In a 9 x 13-inch pan, spread the cream cheese (after softened), then spread refried beans, then Hormel chili and empty whole bag of cheese over top.
You can microwave until cheese is melted on top or broil in oven for 15 minutes (approximately) until cheese on top is brown. Serve with any type of tortilla chips.