Favorite dip from my favorite 1st grade Sunday School teacher

This is a recipe from Mrs. Render, with a few of my additions and subtractions.

Bottom layer:
1 can refried beans
1 can pinto or black beans or (not a can) of ground hamburger
1 lime juiced
2 - 3 T of taco powder
1 can mexican lime and cilantro rotel (brand) tomatoes 
optional: 1 can corn

Middle layer:
grated cheese
optional: guac (I usually leave this out because I eat this over several days)

Top layer:
diced green onions
diced green, red, or yellow peppers
optional: diced tomatoes (I am indifferent)
optional: cilantro (jared doesn't like)
optional: diced olives (I don't like)

I eat this for lunch and dinner many days. It is very easy to throw together. Eat it with some good chips or on a pile of lettuce or spinach. Yum.