Heat olive oil in a skillet over medium heat. When it shimmers, add the onion and sauté until translucent, about 3–4 minutes. Don’t rush it—good flavor doesn’t rush you back.
Add garlic and peppers. Stir and cook for 4–5 minutes until peppers soften and edges start to blister a little
Toss in corn, black beans, cumin, and chili powder. Stir to coat everything in spices; cook another 4–5 minutes. If it smells amazing, you’re on the right track.
Season with salt and pepper. Taste a bite and adjust. Want more kick? A pinch of cayenne works, but go easy—we’re honoring the pepper, not torching your tongue.
If you’re using cheese, sprinkle it in now and let it melt. Garnish with cilantro if you’re feeling fancy.