Use a clear glass 9x9-inch baking dish if possible so the layers show through. Set it aside while you mix each layer.
In a medium bowl, stir together the refried beans, 2 tablespoons taco seasoning, and water until smooth. Taste and add a pinch of salt if needed. Spread the beans evenly in the bottom of the baking dish, pressing gently into the corners with a spatula.
2 cans (15 oz each) refried beans, 2 tablespoons taco seasoning, 2 tablespoons water, kosher salt
In another bowl, whisk together the sour cream, Greek yogurt, and 1 tablespoon taco seasoning until smooth and pale orange. Gently spread this mixture over the bean layer, trying not to disturb the beans.
1 cup sour cream, 1 cup plain Greek yogurt, 1 tablespoon taco seasoning
In a clean bowl, mash the avocados with a fork until mostly smooth with a few small chunks. Stir in the lime juice, minced garlic, red onion, 2 tablespoons chopped cilantro (if using), and 1/2 teaspoon kosher salt. Taste and adjust salt or lime to preference. Smooth this guacamole over the creamy layer in the dish.
3 avocados, 2 tablespoons fresh lime juice, 1 garlic clove, 2 tablespoons red onion, 2 tablespoons fresh cilantro, 1/2 teaspoon kosher salt
If your salsa is very watery, spoon it into a mesh strainer for 1–2 minutes to drain the excess liquid. Spread the chunky salsa evenly over the guacamole, taking care not to press too hard so the layers stay distinct.
1 1/2 cups chunky salsa
Sprinkle the shredded cheddar cheese (or Mexican blend) evenly over the salsa, making sure it reaches all the way to the edges of the dish.
1 1/2 cups shredded cheddar cheese
Scatter the shredded lettuce over the cheese, then sprinkle the chopped tomatoes, sliced green onions, and sliced black olives on top. Add extra chopped cilantro and sliced jalapeños if using.
1 cup shredded lettuce, 1/2 cup tomatoes, 1/4 cup green onions, 1/2 cup black olives, 2 tablespoons fresh cilantro, jalapeños
Cover the dish tightly with plastic wrap and chill for at least 1 hour and up to 8 hours. Chilling helps the flavors meld and makes the dip easier to scoop.
Remove from the refrigerator about 15–20 minutes before serving. Uncover and serve with sturdy tortilla chips and optional fresh veggie sticks. Encourage guests to scoop all the way down so they get every layer in each bite.
sturdy tortilla chips, fresh veggie sticks