Make sour cream mixture by combining sour cream, softened cream cheese, and chili powder (optional). Mix well, then refrigerate for 20 minutes.
In the meantime, warm up refried beans for 5-10 minutes in a pot on medium-low heat, until they are easily spreadable. Remove from heat, mix in taco seasoning, and set aside.
Prepare all toppings - grade cheese, dice avocado, dice tomatoes, etc.
Prepare layered nacho dip in clear plastic cups or small serving dishes. Layer one by one the refried beans, sour cream mixture, cheese, Salsa/Pico do gallo/Tomatoes, avocado
Add in tortilla chips if you would like, and customize any way you want to!
Serve chilled and Enjoy!