Championship Bean Dip

1 cup refried beans (canned or homemade)

1 cup salsa (canned or homemade)

1 cup grated Monterey Jack cheese

1 cup grated cheddar cheese

¾ cup sour cream

4 oz. cream cheese

1 T. chili powder

Combine all ingredients in a crock pot & cook on high for 1 & ½ to 2 hours, stirring occasionally.