Brown the Beef: Heat olive oil in a large pot over medium heat. Add ground beef and cook until browned, breaking it apart with a wooden spoon. Drain excess fat if needed.
Sauté Aromatics: Add diced onions and minced garlic. Cook for 2-3 minutes until fragrant.
Add Beans & Veggies: Stir in kidney beans, pinto beans, corn, diced tomatoes, and Rotel tomatoes.
Pour in Broth & Seasonings: Add beef broth, chili powder, cumin, paprika, salt, and pepper. Stir well.
Simmer: Bring to a boil, then reduce heat and let it simmer for 20-25 minutes.
Adjust Seasoning: Taste and add more salt or spices if needed.
Serve: Ladle into bowls and top with shredded cheese, sour cream, and cilantro if desired.
