Soften and smooth the cream cheese in a bowl (this prevents lumps).
Stir in Greek yogurt, sour cream, mayonnaise, taco seasoning, and taco sauce until fully combined and creamy.
Spread the dip base evenly into a small casserole dish or pie plate.
Toss diced avocado with lemon juice, then layer it over the base.
Top with cheddar, tomato, green onion, Kalamata olives, and jalapeño (if using).
Cover and chill at least 30–60 minutes, then serve with tortilla chips.