The recipe quantities are for an 8x8 pan (smaller amount) or a 9x13 pan (larger amount). Use any decorative serving dish to add festivity to your table.
In a saucepan, stir together the refried beans and salsa, thoroughly combining. Spread into bottom of pan, using an offset spatula to evenly spread to all of the edges.
Combine avocado, chopped garlic, and lime juice, and 1/4-1/2 t salt to make a quick guacamole. Spread it on top of the beans in your dish.
Combine sour cream and taco seasoning, adding more seasoning if desired. Add this layer to your dish.
Chop and sprinkle onions, then jalapeno, tomato, and olives layers onto your dip.
Top off with a sprinkling of cheese.
Serve immediately, if you like the bean layer to be warm. Or, refrigerate and serve cold later. It's great both ways.