Step 1: Cook the Ground Beef

1. Heat the olive oil in a large skillet over medium heat.
2. Add the ground beef and cook until browned, breaking it apart with a spoon as it cooks.

Step 2: Add the Onion and Garlic

1. Stir in the diced onion and minced garlic.
2. Cook for another 2-3 minutes until softened.

Step 3: Add the Spices

1. Add the chili powder, cumin, smoked paprika, oregano, salt, and black pepper.
2. Cook for 1 minute until the spices become fragrant.

Step 4: Add Rice, Broth, and Tomatoes

1. Stir in the uncooked rice, broth, diced tomatoes with green chilies, and black beans (if using).
2. Mix well.

Step 5: Simmer

1. Bring the mixture to a boil, then reduce the heat to low.
2. Cover and simmer for 18-20 minutes, or until the rice is tender and the liquid is absorbed.

Step 6: Melt the Cheese

1. Remove from heat and sprinkle the shredded cheese over the top.
2. Cover with a lid for 5 minutes to allow the cheese to melt.

Step 7: Garnish and Serve

1. Garnish with fresh cilantro and serve with sour cream and diced avocado, if desired.