Heat oil in a large pot over medium heat. Sauté onion and bell pepper until softened, about 5 minutes. The kitchen should smell like a cozy chili dream.
Add garlic and cook another 30 seconds. No burnt garlic—nobody wants that smoky garlic regret.
Brown the meat in the pot, breaking it up as you go. Cook until no pink remains. If you’re using turkey, you’ll notice it’s a touch leaner—season wisely.
Stir in chili powder, cumin, paprika, oregano, salt, and pepper. Let the spices bloom for a minute until your kitchen smells like a spice market in a dream.
Pour in crushed tomatoes, beans, and water or broth. Stir well and bring to a gentle simmer.
Reduce heat and simmer uncovered for 20–30 minutes, stirring occasionally. If it thickens too much, splash in a bit more liquid.
Taste and adjust seasoning. If you like it hotter, add a pinch of cayenne or a few dashes hot sauce.
Serve hot with your favorite toppings or straight from the pot like a true minimalist.