Mix softened cream cheese with cumin, crushed red pepper flakes, salt, and black pepper until smooth.

Add lime juice and olive oil, then stir in minced garlic until the mixture is consistent.

Fold in black beans and chopped olives gently, reserving a few beans for garnish.

Transfer to an airtight container and refrigerate for at least 1 hour, preferably overnight.

Spread mixed dip in a serving dish, garnish with reserved beans, hard-boiled eggs, and green onions.

Serve with tortilla chips or veggies.