Rinse uncooked rice under cold water until it runs clear. In a saucepan, combine rinsed rice with water or broth and a pinch of salt. Boil, then simmer on low for 15-20 minutes until fluffy.

In a skillet, brown ground beef or turkey over medium heat for 7-10 minutes. Stir in taco seasoning.

Add drained black beans to the meat, sprinkle with cumin and garlic powder, and simmer for another 5 minutes.

Sauté diced onions and bell peppers in olive oil until tender and caramelized.

Fluff the cooked rice with a fork after resting for 5 minutes.

Layer rice, seasoned meat, and beans in bowls, then add toppings.

Drizzle salsa on top and garnish with cilantro and lime wedges.