01 - Rinse the rice under cold water until the water runs clear; drain well to remove excess starch.
02 - In a large saucepan, heat a splash of oil over medium heat. Add the onion and bell pepper. Sauté for 3-4 minutes until softened and translucent.
03 - Add the minced garlic and cook for 1 minute until fragrant, being careful not to burn it.
04 - Stir in the cumin, smoked paprika, chili powder, coriander, cayenne, salt, and black pepper. Cook for 30 seconds to release their aromatic oils.
05 - Add the rice to the pan and stir constantly for 1-2 minutes to coat each grain with the spice mixture.
06 - Pour in the vegetable broth. Bring to a boil, then reduce heat to low. Cover tightly and cook for 15 minutes for white rice or 35-40 minutes for brown rice, until rice is tender and liquid is fully absorbed.
07 - Gently fold in the drained beans. Cover and cook for 5 additional minutes to heat through completely.
08 - Remove from heat. Fluff with a fork and stir in fresh cilantro and lime juice if desired. Taste and adjust seasoning as needed. Serve warm.