Cook the rice. Rinse 1 cup of rice under cold water. Cook according to package directions using water or broth. Fluff with a fork and set aside.
Prep the aromatics and veggies. Dice the onion and bell pepper.
Mince the garlic. If using fresh tomato, chop it. Rinse and drain the beans.
Sauté the base. In a large skillet, heat 1–2 tablespoons of oil over medium heat.
Add onion and bell pepper with a pinch of salt. Cook 5–7 minutes, stirring, until soft and lightly golden.
Add garlic and spices. Stir in the garlic, 1.5 teaspoons cumin, 1 teaspoon chili powder, 1/2 teaspoon smoked paprika, and 1/2 teaspoon oregano. Cook 30–60 seconds until fragrant.
Don’t let the garlic burn.
Stir in beans and veggies. Add the beans, corn, and tomatoes (fresh or 1/2 cup canned). If the pan looks dry, add a splash of water or broth. Simmer 3–5 minutes to warm through.
Season and brighten. Taste and add salt and pepper.
Squeeze in 1–2 teaspoons lime juice or a small splash of vinegar. The acidity wakes everything up.
Assemble the bowls. Spoon rice into bowls. Top with the bean mixture.
Add toppings like avocado, cilantro, cheese, a dollop of yogurt, and hot sauce.
Adjust to taste. If it needs more kick, add chili flakes or hot sauce. If it needs richness, drizzle olive oil or add a bit more cheese. If it feels heavy, add extra lime or chopped lettuce.