Preheat your oven to 350°F (175°C).
Brown the ground beef or chicken in a skillet over medium heat.
Drain the excess fat and mix in the refried beans until combined.
Spread a layer of tortilla chips on a baking sheet.
Spoon the meat and bean mixture evenly over the chips.
Sprinkle a generous amount of shredded cheese on top.
Add sliced jalapeños for an extra kick.
Bake in the oven for about 10-15 minutes, until the cheese is melted.
Remove from the oven and top with chopped tomatoes and black olives.
Serve hot with sour cream and salsa on the side.