In a medium sided bowl add the cans of refried beans and cream cheese stir to combine. Now add in the drained can of rotel, the juice from one lime, and seasonings stir everything together.

In a food processor or blender add the avocados, 1/2 the juice from lime, 1/2 white onion, minced garlic, cilantro, and salt blend until smooth.

To a 9x13 baking dish or similar size, add the refried beans and spread out to a single layer, carefully spread the guacamole (avocado mixture) over the refried beans (try not to mix the beans and guacamole together, now carefully spread the sour cream over the guacamole, sprinkle with the cheese, tomatoes, olives, and green onions. We enjoy scooping this mixture and eating it with tortilla chips.