Layered Mexican Dip

I came up with this one for the last Superbowl. Besides my wings, it received the most compliments. You could substitute the ground beef for turkey or chicken.

For the meat layer:
1 lb. lean ground beef
1 pkg. taco seasoning

For the cream cheese layer:
1 8 oz. pkg. cream cheese, room temperature
1/2 tsp. onion powder
1/4 tsp. garlic powder
1/4 tsp. cumin

For refried beans layer:
1 can refried beans, pinto or black beans
1 tsp. hot sauce
1/2 tsp. garlic powder

For topping:
8 oz. colby/jack, shredded
jalapeno slices

Brown ground beef and add taco seasoning, following directions on package. Spread beef mixture in the bottom of a 8x8 baking dish. Add onion powder, garlic powder and cumin to cream cheese, stirring to combine. Spread over beef layer. Add hot sauce and garlic powder to refried beans, stirring to combine. Spread over cream cheese layer. Top with colby/jack and jalapenos and bake at 350 for 30 minutes. Serve with tortilla chips.