In a large pot, brown the ground beef or turkey over medium heat until it is cooked through, reaching an internal temperature of 160°F.

Add the chopped onion, minced garlic, and bell pepper to the meat, and sauté until the vegetables are tender.

Stir in the diced tomatoes, kidney beans, black beans, chili powder, cumin, salt, and pepper.

If you prefer a thinner consistency, add the broth to the mix.

Simmer on the stovetop for about 30 minutes, stirring occasionally.