01 - In a medium saucepan, bring water or broth to a boil. Add rice and salt, reduce heat to low, cover, and simmer for 15 minutes or until tender and liquid is absorbed. Remove from heat, fluff with a fork, then stir in lime juice and chopped cilantro. Keep warm.
02 - In a small saucepan over medium heat, combine black beans, cumin, and chili powder. Heat for 3–4 minutes, stirring occasionally, until warmed through. Set aside.
03 - Heat olive oil in a large skillet over medium-high heat. Add onion and cook for 2–3 minutes until translucent, then add garlic and cook for 30 seconds more.
04 - Add ground beef to the skillet. Cook, breaking up with a spoon, until browned and cooked through, about 5–7 minutes. Drain excess fat if necessary.
05 - Stir in chili powder, cumin, smoked paprika, oregano, salt, black pepper, and tomato paste. Mix well, add water, and simmer for 2–3 minutes until thickened and fragrant.
06 - Divide rice evenly among four bowls. Top with the seasoned beef, warmed beans, and your choice of toppings such as tomatoes, lettuce, cheese, avocado, sour cream, jalapeños, cilantro, and lime wedges.
07 - Serve immediately while warm.