This one is very easy, especially if you can get the pre-made guacomole.
Layer 1: Take one can of refried beans (please look at the label and purchase those with the lowest carbs, highest fiber, and lowest sugar -- I use Old El Paso Traditional Refried Beans.) Cover the bottom of a pie plate or other casserole dish. with the refried beans.
Layer 2: Take premade low sugar guacomole. (Look at the labels.) I buy Avo Classic Guacomole in 4 packs at Costco. I then freeze whatever I don't use immediately so I can always make this dip. Trader Joe's used to have something similar. Cover the refried beans with guacomole for the next layer.
Layer 3: Take low sugar salsa and spread it on as the next layer. I like a very spicy salsa for this layer. (Salsa is usually low carb -- but again, read the labels!)
Layer 4: Take full fat sour cream and carefully spread it on the next layer.
Layer 5: Take shredded cheese and cover the sour cream.
Layer 6: Take shredded lettuce and cover the shredded cheese.
Layer 7: Take diced fresh tomatoes and cover the lettuce.
Layer 8 (optional): Take some onions and sprinkle on top.
Serve with Trader Joe's Low Carb Tortilla Chips or some other brand.
I take this in a pie safe to parties, etc. I like to eat it plain without the chips too!