Warm the pot: Heat a large soup pot or Dutch oven over medium heat.
Add olive oil.
Brown the meat: Add ground beef (or turkey/chicken). Break it up with a spoon and cook until browned, about 5–7 minutes. Season lightly with salt and pepper.
Sauté aromatics: Add diced onion and cook until softened, 3–4 minutes.
Stir in minced garlic and cook 30 seconds, until fragrant.
Season: Sprinkle in the taco seasoning. If using, add cumin, chili powder, and smoked paprika for extra depth. Stir to coat the meat and onions.
Add the base: Pour in diced tomatoes, Rotel, and tomato sauce.
Stir well to combine.
Beans and corn: Add black beans, pinto or kidney beans, and corn. Stir everything together.
Broth time: Pour in 3 cups of broth to start. Stir and bring to a gentle simmer.
Simmer and adjust: Let the soup simmer for 15–20 minutes to blend flavors.
If you prefer it soupier, add the remaining 1 cup broth. Taste and adjust salt, pepper, or spices as needed.
Serve: Ladle into bowls and top with cheese, a dollop of sour cream, avocado slices, cilantro, jalapeños, and a squeeze of lime. Serve with tortilla chips for crunch.