Prep the Cream Cheese Mixture: In a bowl, combine the softened cream cheese and taco seasoning. Stir until well blended and set aside.
Layer the Ingredients: In small cups, start by adding a layer of refried beans at the bottom. Press down gently to create an even layer.
Add the Cream Cheese Mixture: Next, spoon the cream cheese mixture over the refried beans, spreading it out evenly.
Add Toppings: Now comes the fun part! Top each cup with your favorite toppings—this could be fresh guacamole, salsa, or a sprinkle of shredded cheese!
Chill and Serve: If you have time, chill the cups for about 30 minutes before serving to let the flavors meld together. Serve them with tortilla chips and enjoy!