Heat a skillet over medium-high heat and brown the ground beef, breaking it up with a spatula; drain excess grease.
Add the Rotel (about half the can), half of the chopped green onions, garlic powder, and onion powder to the cooked beef; stir and cook for about 2 minutes.
Pour in the enchilada sauce, stir to combine, and let the mixture simmer 2–3 minutes; remove from heat.
Heat the refried beans in a saucepan or microwave until warm and spreadable.
Layer the warm refried beans in an oven-safe serving dish, top with the beef and sauce mixture, then sprinkle shredded cheddar evenly over the top.
Place the dish under a broiler briefly just until the cheese melts and bubbles—watch carefully to avoid burning.
Remove from the oven, dollop or spread sour cream and guacamole on top, and sprinkle the remaining chopped green onions before serving.
If you want a larger batch, double all ingredients and use a bigger dish.