Ingredients

• 1 lb ground beef
• 1 onion, chopped
• 1 tablespoon garlic, minced
• 1 (16 ounce) can refried beans (I use the nonfat version)
• 1 (4 ounce) can green chilies, chopped
• 3 cups monterey jack cheese or 3 cups cheddar cheese, grated
• 2 cups sour cream
• liquid hot pepper sauce
• salt
• olive, sliced
• avocado, slices
• tomatoes
• tortilla chips
• green onion
• 1 cup taco sauce (mild or medium, depending upon taste)