1 can (10 3/4 ounce) condensed cheddar cheese soup
1/2 cup milk
16 ounces salsa
1 bag (7 ounces) tortilla chips
1 can refried beans
1 or 2 jalapeno chilies thinly sliced (optional)
1 cup shredded cheddar cheese
Preheat oven to 400 degrees. Stir undiluted soup with milk, spread evenly over bottom of 9X13 greased baking dish. Top with half of salsa and half of chips. Carefully spread beans (you can mix with cooked ground beef) over chips. Top with remaining chips and salsa. Sprinkle with chilies and cheddar cheese.
Bake for 20 minutes or until hot