In a bowl, combine the mayo and softened cream cheese until smooth.
Stir in the sliced smoked gouda.
Add the sliced scallions and habanero, adjusting the amount based on your desired spice level.
Mix in the cilantro, salt, and pepper to taste.
If you like, incorporate roasted garlic or garlic powder for extra flavor.
Transfer the mixture into a jar or a serving dish, cover it, and refrigerate for at least 30 minutes to an hour, but ideally overnight.
