Carolyn's Famous Potluck Bean Dip, from Carolyn

The layered taco dip sounds a lot like my famous potluck bean dip, which I have not been able to eat in a long, long time. Sigh. It is only 4 layers: a can of refried beans, a brick of cream cheese, a layer of salsa, and shredded cheddar. Cream cheese on bottom, then salsa, then beans, then cheddar. (The beans can go under or on top of the salsa... either way works.) Nuke until everything is melty. Ohhhhh, I want some!