Baked Taco Dip

This was good but lacking "something" but the husband and I are kind of Spice Heads so that pays a part in it...next time I make it I'll add a layer of either salsa or taco sauce. But if spice isn't your thing or you are making this for younger kids it's perfect as is!!

Baked Taco Dip

1 pound ground beef

2 cloves garlic, minced

8 ounces cream cheese, softened

1/2 cup  ranch dressing

1 tablespoon chili powder

1 teaspoon ground cumin

2 ounces cheddar cheese, shredded

2 ounces pepper jack cheese, shredded

1 can refried beans

Directions:
Preheat the oven to 400°F. Spray a 9-inch pie plate with cooking spray and set aside.
In a skillet, brown the ground beef over medium heat. Drain, and return the beef to the skillet. Add the garlic, and cook for 4-5 minutes. Remove from the heat.
In a bowl, combine the cream cheese, ranch dressing, chili powder, and ground cumin. Add the beef mixture and half of the shredded cheese. Stir to combine. Transfer the mixture to the prepared pie plate.
Warm up the refried beans in the skillet and spread over the meat mixture. *this is where I would also layer some salsa or taco sauce* Sprinkle with remaining cheese.
Bake for 15-20 minutes until the cheese is golden and bubbly. Serve with tortilla chips. 1