8 x 8 or 9 x 9 glass baking dish I -2 bars of cream cheese 1 -2 cans of beanless chili 1 -2 8 oz package Monterrey Jack Cheese

Open up cream cheese and flatten in the baking dish so that it covers entire pan. Pour chili on top spreading all over. Sprinkle cheese on top all over. Cover with tin foil and bake at 325 for about 25- 30 minutes. Serve with Ritz crackers for dipping.