Warm the pot: Heat olive oil in a large soup pot or Dutch oven over medium heat.
Brown the beef: Add ground beef and cook, breaking it up with a spoon, until browned and no longer pink, 5–7 minutes. Spoon off excess fat if needed.
Soften aromatics: Add onion, garlic, and bell pepper. Cook 3–4 minutes until softened and fragrant.
Season it: Stir in taco seasoning, cumin, chili powder, and smoked paprika.
Toast the spices for 30–60 seconds to wake them up.
Add the base: Pour in the black beans, pinto or kidney beans, corn, diced tomatoes, tomatoes with green chiles, and broth. Stir well.
Simmer: Bring to a gentle boil, then lower to a simmer. Cook 15–20 minutes to let the flavors come together.
Finish and balance: Season with salt and pepper.
Squeeze in lime juice if using. Taste and adjust heat or salt.
Serve: Ladle into bowls and top with cheese, sour cream, avocado, cilantro, and crushed tortilla chips. Enjoy immediately.