Layer 1: Spread bean dip onto a platter or large plate.
Layer 2: Mix together sour cream, mayonnaise and taco seasoning and spread over bean dip.
Layer 3: Mix together avocados (optional), lemon juice and pepper and spread (or sprinkle) over mayo mixture.
Layer 4: Sprinkle olives over top.
Layer 5: Sprinkle tomato over top.
Layer 6: Sprinkle green onions over top.
Layer 7: Cover with shredded cheese and refrigerate until ready to serve with tortilla chips.
Please note that some ingredients and brands may not be available in every store.