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 to the skillet. Stir well and cook for 2–3 minutes until heated through and spices are aromatic.
03 - In a separate skillet, cook eggs to your preference (fried, scrambled, or poached) until desired doneness is achieved.
04 - Heat the cooked rice in a microwave or on the stovetop until warmed through.
05 - Divide warm rice evenly among four serving bowls. Top each portion with the spiced bean and vegetable mixture.
06 - Place one cooked egg atop each bowl.
07 - Top each bowl with cherry tomatoes, avocado slices, jalapeño, cheddar cheese, fresh cilantro, and salsa. Serve immediately with lime wedges on the side.