It's a simple dip that a friend taught me in college. Here it is with Trader Joe's ingredients...
1st layer - 1 pkg of cream cheese ($1.50)
2nd layer - 1 can Trader Joe's chicken chili ($1.99)
Put chopped onions on top of the chili
3rd layer - mozzarella cheese ($1.75 for half of the package)
Put it in the oven at 350 degrees until cheese is melted and lightly brown. Serve with tortilla chips!