I don't normally put comments in my recipe nodes, but I had to make an exception. This is one of my favorite recipes. If you don't object to the ingredients, I suggest you try it. Enjoy!
Layer the following:
Serve or eat with tortilla chips or just dish it out.
Feel free to try different ingredients in different orders. For example, refried beans instead of beef, yogurt instead of sour cream (now that was interesting!), or just leave things out. It's very flexible.