In a large skillet over medium heat, add the ground beef or turkey. Cook until browned, about 5-7 minutes, stirring occasionally to break it up.

Stir in the chili powder, cumin, salt, and pepper. Cook for an additional minute.

Add the black beans and corn to the skillet. Cook for another 5 minutes, allowing everything to heat through.

Pour in the diced tomatoes and stir well. Cook for 3 minutes.

In a separate pot, heat the cooked rice until warm.

In serving bowls, add a scoop of rice and top with the meat mixture.

Sprinkle shredded cheese over the hot meat mixture. Let it sit for a minute to melt the cheese.

Finish with diced avocado and fresh cilantro on top.