Cook the rice. Prepare your rice according to package directions.
If using cauliflower rice, sauté it in a little oil with salt and pepper until tender, about 5 minutes.
Brown the beef. Heat a large skillet over medium-high. Add olive oil if your beef is lean. Cook the ground beef, breaking it up with a spoon, until browned and no longer pink, 5–7 minutes.
Drain excess fat if necessary.
Sauté aromatics. Add onion and bell pepper to the skillet. Cook until softened, about 4–5 minutes. Stir in garlic and cook 30 seconds, until fragrant.
Season it right. Sprinkle in cumin, chili powder, smoked paprika, salt, and pepper.
Stir to coat the beef and veggies so the spices bloom in the warm pan.
Add beans and sauce. Stir in black beans and pour in the enchilada sauce. Bring to a gentle simmer and cook 3–5 minutes, until the sauce thickens slightly and everything is coated.
Finish with lime and cilantro. Turn off the heat. Stir in lime juice and half the cilantro for a fresh lift.
Melt the cheese. Sprinkle cheese over the beef mixture.
Cover the skillet for 1–2 minutes to melt, or stir it in if you’d rather have it mixed throughout.
Assemble the bowls. Spoon warm rice into bowls. Top with a generous scoop of the cheesy beef mixture. Add your favorite toppings: avocado, jalapeños, sour cream, tomatoes, corn, lettuce, extra cilantro, and a dash of hot sauce.
Taste and adjust. Finish with a pinch of salt, a squeeze of lime, or another drizzle of enchilada sauce if you like it extra saucy.