01 - Heat olive oil in a large skillet over medium heat. Add diced onion and bell pepper. Sauté for 5-6 minutes until softened and fragrant.
02 - Add black beans, chili powder, cumin, smoked paprika, garlic powder, salt, and pepper. Stir well and cook for 2-3 minutes until heated through and fragrant.
03 - In a separate skillet, cook eggs to preferred doneness—fried sunny-side up, scrambled until fluffy, or poached for runny yolks.
04 - Reheat cooked rice in microwave or skillet until steaming hot throughout.
05 - Divide warm rice evenly among four serving bowls. Spoon spiced bean and vegetable mixture over rice in each bowl.
06 - Place one cooked egg on top of each bowl, positioning it centered for presentation.
07 - Garnish each bowl with cherry tomatoes, avocado slices, jalapeño rounds, shredded cheddar, fresh cilantro, and salsa.
08 - Serve immediately while eggs are hot. Accompany with lime wedges for squeezing over the top.