– 1 pound lean ground beef – 1/2 medium yellow onion diced – 1 tablespoon minced garlic (store bought or 2-3 cloves) – 16 ounces sour cream – 8 ounces cream cheese (1 package) softened – 2 cups (8 ounces) shredded cheddar cheese (reserve 1 cup for later) – 1 can refried beans – 1 cup salsa – 3 tablespoons taco seasoning