In a skillet over medium heat, add the ground beef. Cook for about 5-7 minutes or until browned, breaking it apart with a spatula as it cooks. Drain any excess fat.
Once the beef is cooked, add water and taco seasoning to the skillet. Stir to combine, then simmer for about 5 minutes until slightly thickened. Remove from heat and let cool slightly.
In a mixing bowl, combine softened cream cheese, sour cream, and salt. Mix until smooth and creamy.
In a 9x13-inch baking dish, spread the refried beans evenly across the bottom. Layer with the seasoned beef mixture, followed by the cream cheese and sour cream mixture, and then sprinkle shredded cheddar cheese on top. Add diced tomatoes, sliced black olives, and finish with diced green onions.
Cover the layered dip with plastic wrap and refrigerate for at least 30 minutes to allow the flavors to meld together. Serve with tortilla chips or fresh veggies for dipping.
