Use a clear 9x13-inch glass or ceramic baking dish for the prettiest layers. A 9x9-inch dish also works; the layers will be thicker.
In a medium bowl, stir together the refried beans and 2 tablespoons of taco seasoning. Add 2–3 tablespoons of water, a little at a time, until the mixture is smooth and spreadable—creamy but not runny.
2 cans (15 oz each) refried beans, 3 tablespoons taco seasoning, 2-3 tablespoons water
Spoon the bean mixture into the bottom of the baking dish. Use a spatula to spread it into an even layer, pressing gently into the corners so there are no gaps.
2 cans (15 oz each) refried beans
In another bowl, whisk together the sour cream, Greek yogurt (if using), and 1 tablespoon of taco seasoning. Taste and adjust the seasoning if you prefer a stronger flavor.
3 tablespoons taco seasoning, 1 1/2 cups sour cream, 1/2 cup plain Greek yogurt
Carefully spoon the sour cream mixture over the bean layer. Spread gently from the center toward the edges so you don’t disturb the beans. Dollop in several spots before smoothing if that’s easier.
1 1/2 cups sour cream, 1/2 cup plain Greek yogurt
In a clean bowl, mash the avocados with lime juice, garlic powder, onion powder, salt, and chopped cilantro (if using) until as smooth or chunky as you like. Taste and adjust lime and salt so it tastes bright and well-seasoned.
3 ripe avocados, 2-3 tablespoons lime juice, 1/4 teaspoon garlic powder, 1/4 teaspoon onion powder, 1/2 teaspoon salt, 2 tablespoons fresh cilantro
Spread the guacamole evenly over the sour cream layer, working gently to avoid mixing the layers.
3 ripe avocados
If your salsa is watery, briefly drain it in a fine mesh strainer to remove excess liquid. Spread a generous, even layer of salsa or pico de gallo over the guacamole.
1 1/2-2 cups thick salsa or pico de gallo
Sprinkle the shredded Mexican blend cheese evenly over the salsa, making sure to reach the corners.
2 cups shredded Mexican blend cheese
Sprinkle shredded lettuce over the cheese, followed by diced tomatoes, sliced black olives, and green onions. Arrange decoratively or scatter for a more rustic look.
1 cup shredded lettuce, 1 cup diced tomatoes, 1/2 cup sliced black olives, 1/2 cup sliced green onions
Cover the dish tightly with plastic wrap and refrigerate for at least 1 hour, or up to 24 hours, to let the flavors blend and to help the layers set.
Right before serving, garnish with fresh cilantro leaves and jalapeño slices if desired. Serve chilled with sturdy tortilla chips and optional veggie sticks or warm tortillas.
fresh cilantro leaves, jalapeño slices, sturdy tortilla chips, fresh veggie sticks or warm tortillas