Prep time: 5 minutes
Bake time: 8-10 minutes
6 Ounces of Tortilla chips
1/4 cup of milk
Cheddar & Monterrey Jack cheese blend
1 can of refried beans
A dash of black pepper
Combine 1/4 cup of Milk, 1 can of refried beans and pepper in a large bowl, mix until creamy.
Bake in the oven for 8-10 minutes. **This should be sufficient time for the cheese to melt and the beans and salsa to get warm.