Brown ground beef and onion; drain well.
Add taco seasoning and stir in refried beans.
Add 1/4 cup water or milk to this so the beans become more creamy. I use milk.
Mix soup and sour cream together in a bowl.
Spread 1/2 sour cream mixture in the bottom of a casserole dish. I use a 9 x 11 size for this.
Stack the tortillas and slice them into 8 even triangles.
Spread 3 of the tortillas over the sour cream and soup mixture into spread over sour cream mixture.
Put 1/2 the meat and bean mixture over that.
Add a layer of cheese. And spread some salsa over the cheese
Repeat the layers.
Sprinkle cheese over the top and bake, uncovered, at 350°F for 30 -45 minutes
Top with more salsa, avocado, cheese , ect.