Cook or reheat the rice: Use leftover rice, microwaveable packets, or cook a fresh batch.
Fluff with a fork and set aside. For extra flavor, stir in a squeeze of lime juice and a pinch of salt.
Warm the beans: In a skillet over medium heat, add olive oil. Stir in the black beans and pinto beans, cumin, chili powder, smoked paprika, and a pinch of salt and pepper.
Cook for 3–5 minutes until heated through and lightly seasoned.
Add the corn and salsa: Stir in the corn and half the salsa. Let it simmer for 2–3 minutes so the flavors meld. If it looks dry, add a splash of water.
Prep the fresh toppings: Chop onion, bell pepper, tomatoes, and cilantro.
Slice or dice the avocado. Set lime wedges aside.
Assemble the bowls: Spoon rice into each bowl. Top with the warm bean mixture.
Add bell pepper, onion, tomatoes, and any extras like avocado, cheese, or cilantro.
Finish and serve: Spoon on the remaining salsa. Add a dollop of Greek yogurt or sour cream if you like, plus a squeeze of lime and hot sauce. Taste and adjust salt and pepper.