Cook the Meat: In a large pot or skillet, cook the ground beef over medium heat until browned. Drain any excess grease.
Add Veggies: If using onion, bell pepper, and garlic, sauté them in the pot with olive oil for 2-3 minutes until softened. (Skip this step if using garlic powder.)
Combine Ingredients: Add the beans, tomatoes, broth, chili powder, cumin, paprika, salt, and pepper to the pot. Stir everything together.
Simmer: Bring to a boil, then reduce the heat to low. Let it simmer uncovered for 20-30 minutes, stirring occasionally. Add more broth or water if it’s too thick.
Taste and Adjust: Taste your chili and add more seasoning if needed.
Serve: Enjoy it hot! Pair it with crackers, rice, or cornbread if you like.