Layer in a large, flat glass dish, like a Pyrex:
2 cans refried beans; spread on the bottom
1 jar salsa
Avacado dip
Lots of grated cheddar cheese
Grated lettuce
Chopped tomatoes
Chopped onions
Chopped black olives; if desired
Serve with Tostitos round chips or tortilla chips. Dip through all layers with your chip. Almost a meal!