2 cups of refried beans, either from one 15-ounce can or homemade
1 teaspoon (or more) of bacon fat (or 1 strip of bacon, cooked and minced) optional
1 teaspoon of chipotle powder, Tabasco chipotle sauce, or adobo sauce, more to taste (or plain chili powder to taste)
1/4 to 1/2 teaspoon ground cumin
Salt
1 cup shredded cheddar or Monterey Jack cheese
1/4 cup chopped green Anaheim chiles (canned) OR a Tbsp of chopped pickled jalapenos (more to taste)
1 avocado, peeled and chopped
1 hot house tomato, cut in half horizontally, seeds and juice gently squeezed out and discarded, chopped
1/3 cup of sour cream, or if you can get it Crema Mexicana (Mexican sour cream)
1/2 small can of sliced ripe black olives