01 - Combine refried beans with taco seasoning in a medium bowl until thoroughly blended. Spread evenly across the bottom of a 9x13-inch glass dish or large serving platter.
02 - Whip sour cream and softened cream cheese together in a separate bowl until smooth and uniform. Gently spread over the bean layer, covering completely.
03 - Mash avocados with lime juice and salt in a small bowl, maintaining a slightly chunky texture. Distribute evenly over the creamy layer.
04 - Carefully spoon chunky salsa over the guacamole layer, spreading to the edges without disturbing the layers beneath.
05 - Evenly distribute shredded cheddar cheese over the salsa layer, ensuring complete coverage.
06 - Layer shredded lettuce evenly, followed by diced tomatoes, black olives, and sliced green onions.
07 - Cover the dish and refrigerate for at least 1 hour to allow flavors to meld. Serve cold with tortilla chips for dipping.