8 Layer Mexican Bean Dip

1 large can refried beans
1 package taco seasoning
1 cup mayonnaise
1 large avocado, mashed
1 cup sour cream
1 cup shredded monterey jack cheese
1 cup shredded cheddar cheese
1 large tomato, chopped
1 bunch green onions (white part only), chopped
1 small can chopped black olives
1 tablespoon lemon juice

Starting with the beans on the bottom, layer the ingredients in the order listed. Chill overnight.

Note: We will sometimes add taco meat if we've had tacos and have leftover meat.