Prepare Your Dish: Choose a shallow, wide serving dish and spread the refried beans evenly as the first layer.
Add Fresh Salsa: Spoon the chunky salsa over the beans, creating a vibrant second layer.
Create the Veggie Layer: Combine diced tomato, diced onion, and jalapeños in a bowl. Evenly sprinkle this over the salsa.
Layer on the Lettuce: Gently press the shredded lettuce to form a crisp, green bed.
Sour Cream Swirl: Spread the sour cream in a smooth layer for creamy contrast.
Cheese Shower: Cover with shredded Cheddar cheese for that irresistible melty goodness.
Top with Olives: Finish with sliced black olives for color and briny flavor.
Chill & Serve: Refrigerate for at least 10 minutes, then serve with tortilla chips or crunchy pita wedges.