Heat the skillet: Set a large, deep skillet or sauté pan over medium-high heat. If your beef is very lean, add olive oil.
Brown the beef: Add ground beef and cook, breaking it up with a spoon, until deeply browned and crumbly, 5–7 minutes. Drain excess fat if needed.
Sauté aromatics: Add onion and bell pepper.
Cook until softened, about 4 minutes. Stir in garlic and cook 30 seconds until fragrant.
Season well: Add chili powder, smoked paprika, cumin, oregano, salt, and pepper. Stir to coat the beef and veggies, toasting the spices for 30–60 seconds.
Stir in tomato base: Add tomato paste and cook, stirring, for 1 minute to deepen the flavor.
Pour in the diced tomatoes with their juices.
Add rice and liquid: Stir in rinsed rice and broth, scraping up any browned bits from the bottom of the pan.
Simmer gently: Bring to a low boil, then reduce heat to a gentle simmer. Cover and cook for 15–18 minutes, until the rice is tender and most liquid is absorbed.
Finish it: If using peas or corn, stir them in during the last 3 minutes of cooking. Remove from heat and let it sit covered for 5 minutes to steam and set.
Taste and adjust: Fluff with a fork.
Add more salt or a squeeze of lime if you like. Sprinkle with cheese and cover for 1–2 minutes to melt, then top with fresh herbs.
Serve: Spoon into bowls and enjoy as is, or add a dollop of sour cream or hot sauce for extra flair.