Brown the Beef: In a large skillet, heat over medium heat as you add the ground beef. Cook for about 6-8 minutes until browned. Crumble as it cooks, then drain any excess grease.

Season the Meat: Sprinkle taco seasoning over the browned beef, add a splash of water, and stir. Let it simmer for about 2 minutes.

Prepare the Creamy Base: In a bowl, combine refried beans, cream cheese, sour cream, and green chilies. Add garlic powder, onion powder, and smoked paprika. Blend until smooth.

Combine Ingredients: Fold the seasoned beef into the creamy mixture, then mix in shredded cheese until combined.

Bake the Dip: Preheat oven to 375°F. Spread the dip into a greased baking dish, top with cheese, and bake for about 20 minutes until bubbly.

Serve and Garnish: Let cool for a few minutes, then garnish with green onions, jalapeños, or cilantro. Serve warm with tortilla chips.