Brown hamburger. Drain and add taco sauce. Spread one cream cheese in bottom or 9 x 13 - inch pan, then layer meat, refried beans (easier to spread if heated) and the second cream cheese. Sprinkle shredded cheese on top Cook at 350 degrees until cheese melts, 20-30 minutes. Serve with Fritos chips.
hehe I forgot to put that down.........it is a must.....YUM-O
~sherry~