01 - Heat a splash of olive oil in a large pot or Dutch oven over medium heat. Add the lean ground turkey or beef and cook until thoroughly browned, breaking it apart with a wooden spoon, approximately 5 minutes.
02 - Add the diced onion, bell pepper, and minced garlic to the browned meat. Sauté until the vegetables are softened and fragrant, about 3 to 4 minutes.
03 - Stir in the diced zucchini and continue cooking for 2 minutes until it begins to soften.
04 - Add the tomato paste, chili powder, ground cumin, smoked paprika, black pepper, dried oregano, salt, and cayenne pepper. Stir thoroughly for 1 minute to toast and bloom the spices, releasing their full flavor.
05 - Pour in the diced tomatoes with their juices, the rinsed beans (if using), and the broth. Stir everything together until well combined.
06 - Bring the mixture to a simmer, then reduce the heat to low. Cover and let it cook for 20 to 25 minutes, stirring occasionally to prevent sticking.
07 - Taste the chili and adjust salt, pepper, or cayenne as needed to suit your preference.
08 - Ladle the chili into bowls and serve hot. Garnish with fresh cilantro or a dollop of plain Greek yogurt if desired.