01 - In a medium mixing bowl, thoroughly combine sour cream, softened cream cheese, and taco seasoning until the mixture is smooth and uniform. Set this aside.
02 - In a separate bowl, mash the ripe avocados with the lime juice and salt to create a simple guacamole.
03 - Evenly spread the refried beans across the bottom of a 9x13-inch glass dish or a suitable serving platter.
04 - Carefully and evenly spread the prepared sour cream mixture over the refried bean layer.
05 - Spoon the freshly made guacamole evenly over the creamy sour cream layer.
06 - Gently spread the chunky salsa over the guacamole layer.
07 - Sprinkle the shredded cheddar cheese evenly over the salsa layer.
08 - Arrange the shredded lettuce, diced tomatoes, sliced black olives, and chopped green onions in distinct, even layers on top of the cheese.
09 - Refrigerate the dip for a minimum of 30 minutes to allow flavors to meld and chill properly. Serve chilled with tortilla chips.