Spread the refried beans in the bottom of a shallow glass or ceramic dish, using the back of a spoon to create an even ¼-inch thick layer covering the entire bottom.
16 oz refried beans
Layer the sour cream over the beans, spreading a thin (about ¼-inch) even layer edge to edge without mixing into the beans.
1 cup sour cream
Mix the lime juice into the guacamole, then gently spread it evenly as the third layer on top of the sour cream, taking care not to mix the layers.
1 cup guacamole, 1 tsp lime juice
Spoon the drained salsa over the guacamole layer, then sprinkle the shredded cheddar cheese evenly over the salsa.
1 cup salsa, 1.5 cups shredded cheddar cheese
Top with black olives, green onions, diced tomatoes (pat dry first), and jalapeños if using. Arrange toppings in sections or mixed according to preference.
0.5 cup black olives, 0.5 cup green onions, 0.5 cup diced tomatoes, 0.25 cup jalapeños
Cover tightly with plastic wrap and chill in the refrigerator for at least 1 hour before serving to allow layers to firm up and flavors to meld.