01 -
In a small bowl, mix the sour cream with ground cumin, garlic powder, salt, and black pepper.
02 -
Spread the refried beans or cooked ground beef evenly in the bottom of a 9x13 inch dish or a similar-sized serving dish.
03 -
Layer the seasoned sour cream over the refried beans or ground beef.
04 -
Spread the salsa over the sour cream layer.
05 -
Sprinkle the shredded cheddar cheese evenly over the salsa.
06 -
Add the shredded lettuce in an even layer on top of the cheese.
07 -
Follow with a layer of diced tomatoes.
08 -
Add the sliced black olives and chopped green onions on top.
09 -
Serve with tortilla chips.