Mix the creamy base: In a bowl, whisk 1 cup plain Greek yogurt with 4 ounces softened light cream cheese, 1–2 tablespoons taco seasoning, and the juice of half a lime until smooth and spreadable. Taste and adjust seasoning.
Prep the beans: Drain and rinse 1 can of black beans.
Pat dry with paper towels so the dip doesn’t get watery.
Choose the right dish: Use a shallow 8x8 dish or a round pie dish. The layers will look neat and be easy to scoop.
Layer the base: Spread the yogurt-cream cheese mixture evenly along the bottom of the dish.
Add salsa carefully: Spoon 3/4 to 1 cup thick salsa over the base in small dollops, then gently spread. If your salsa is runny, drain excess liquid first.
Top with beans: Scatter the black beans evenly over the salsa.
Press them lightly so they settle into the layer.
Sprinkle cheese: Add about 3/4 cup shredded cheese in an even layer. Use more or less based on your preference.
Load up the veggies: Add 1–1.5 cups finely chopped romaine, 1 cup halved grape tomatoes, 1/4 cup minced red onion, and 1/2 cup diced bell pepper.
Add heat and zest (optional): Sprinkle sliced jalapeño, chopped cilantro, a squeeze of lime, and a few dashes of hot sauce if you like it spicy.
Finish and chill: If time allows, chill for 20–30 minutes. This helps the flavors meld and the layers set.
Serve smart: Put out a mix of baked tortilla chips and crisp veggies so guests have lighter options for scooping.