Here is how I do it in the heartland of Tex Mex!
1 lb of ground beef cooked and seasoned with taco seasoning. I always allow the beef to simmer long enough to get as much liquid out of it as possible.
1 can of fat free refried beans mixed with 1 cup of bottled salsa (heat level to taste, I use medium)
1 pint of sour cream
Fresh guacamole (I usually make a double batch for this dip using 4 ripe avocados, pico de gallo, lemon, garlic salt and pepper).
1 lb of sharp cheddar cheese, grated
1 can black olives, drained
2 ripe plum tomatoes (or whatever is freshest in your garden!) chopped
about 4 green onions, chopped
Layer ingredients in the order they are listed, cover and refridgerate for at least 1 hour before serving.
Legally, this is an 8 layer dip, but I always get compliments, not complaints! Unfortunately, this one cannot be heated, the heated dips sound very delicious, I will try one this football season.