Step 1: Preheat Oven
Preheat your oven to 350°F (175°C). Lightly grease a 9×13-inch baking dish with cooking spray or oil.

Step 2: Brown and Season the Meat
In a large skillet over medium heat, cook 1 pound ground beef (or sausage) until browned and fully cooked.
Drain off any excess fat.
Stir in 1 packet taco seasoning and 2 tablespoons of water. Simmer for 2–3 minutes. Set aside.

Step 3: Mix the Creamy Base
In a large bowl, combine:

• 8 oz softened cream cheese

• ½ cup sour cream

• 1 can refried beans

• 1 cup salsa

• ½ teaspoon garlic powder

Mix thoroughly using a hand mixer or spoon until smooth and evenly combined.

Step 4: Combine Meat and Bean Mixture
Fold the cooked and seasoned ground meat into the bean and cheese mixture until well blended.

Step 5: Assemble the Dip
Spread the entire mixture evenly into the prepared baking dish.
Top with 2 cups shredded Mexican cheese blend, distributing evenly across the surface.

Step 6: Bake
Bake in the preheated oven for 20 to 25 minutes, or until hot and bubbly.
The cheese should be fully melted and slightly golden on top.

Step 7: Garnish and Serve
Remove from oven and garnish with chopped green onions, jalapeño slices, or other toppings of your choice.
Serve immediately with tortilla chips, pita chips, or raw vegetables.