Baked Mexican Layer Dip

1 tub Cream Cheese (softened)
1 can refried beans (any kind)
1 jar salsa (your favorite)
2 cups shredded Cheese (whatever you like, I usually use mexican blend)
Depending on how big of a crowd you are making for use a square pan or a rectangle pan and double the ingredients.
Layer above in order above - cream cheese, refriend beans, salsa, cheese.
Put in over at 350°F until heated thru and cheese is melted.  Usually about 10-20 minutes.
Eat with tortilla chips. Any kind whatever you like.  I've found Scoops are the best so you can hold all of the layers in one bite.
The beauty of this is you can make it lower fat by using the lower fat version of all ingredients and it still tastes great.