Add oil to frying pan. Saute onions and garlic.
Add ground beef and taco packet seasoning with water. Simmer for 10 minutes until ground beef is cooked thoroughly. Add refried beans and Rotel. Stir.
Prepare Masa according to mixture on package. Line bottom of 8x8 glass baking dish with 3/4 of Masa. Bake 350 degrees for 10 minutes to pre cook crust layer. Remove crust from oven.
Begin layering casserole. First, create a layer with meat bean mixture, pour of the Red Enchilada sauce over meat mixture. Sprinkle cup of rice. Sprinkle shredded cheese. Sprinkle with cup of Fritos. Layer with 1 flour tortilla and repeat layer pattern twice. Top with remaining Masa, cheese and Fritos.
Cover with foil and bake at 350 degrees for 30 minutes. Uncover and bake for another 5 to 10 minutes.
Serve with lettuce, olives, salsa, sour cream, and additional Fritos.
