n a medium bowl, stir the refried beans with salsa and salt until smooth and well combined. Spread the mixture evenly across the bottom of an 8×8-inch serving dish.
Cut the avocados in half, remove the pits, and scoop the flesh into a bowl. Mash with lime juice, cilantro, chopped jalapeño, and salt until creamy but still slightly chunky.
Spread the guacamole evenly over the refried bean layer, making sure it reaches the edges of the dish.
In another bowl, stir the sour cream and taco seasoning together until smooth. Spread it gently over the guacamole to create the third layer.
Sprinkle the shredded cheddar evenly over the sour cream layer, followed by the diced tomatoes and sliced green onions.
Finish the dip with fresh cilantro, sliced jalapeño, and black olives if using. Spread the toppings evenly so each scoop gets a little of every layer and serve immediately with tortilla chips, or cover and refrigerate for up to a day before serving.