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1 pound ground beef
1 envelope taco seasoning
3/4 cup water
1 package (13 ounces) tortilla chips
1 cup refried beans
1 jar (15-1/2 ounces) salsa con queso dip
2 plum tomatoes, chopped
1/4 cup minced fresh chives, optional
1/2 cup sour cream
Preheat oven to 350°. In a large skillet, cook and crumble beef over medium heat until no longer pink, 5-7 minutes; drain. Stir in taco seasoning and water; bring to a boil. Reduce heat; simmer, uncovered, until thickened, about 5 minutes, stirring occasionally.
In an ungreased 13x9-in. baking pan, layer a third each of the chips, beans, beef mixture and queso dip. Repeat layers twice.
Bake, uncovered, until heated through, 10-15 minutes. Top with tomatoes, and chives if desired; serve immediately with sour cream on the side.