Preheat the oven to 350 degrees.
Brown the meat in a skillet. You can season it a bit with seasoned salt.
In a 9 x 13" glass baking dish, spread the cream cheese on the bottom for the first layer.
Spread the refried beans in a second layer.
Add the ground meat and spread in a layer.
Layer the tomatoes evenly over the ground meat.
Layer the salsa over the tomatoes.
Layer the avocados over the salsa.
Layer the shredded cheddar cheese over the entire dish.
Dollop the sour cream over the dish to your preference.
Layer the black olives over the entire dish.
Add salt and pepper to your taste.
Bake for about 30 minutes, or until everything is melty and cooked.