Warm the pot: Heat olive oil in a large pot or Dutch oven over medium heat until it shimmers.
Sauté the aromatics: Add onion, bell pepper, and jalapeño.
Cook 5–6 minutes, stirring, until softened and lightly golden.
Add garlic: Stir in the garlic and cook 30 seconds, just until fragrant. Don’t let it brown.
Brown the turkey: Add the ground turkey. Break it up with a spoon and cook 5–7 minutes until no longer pink.
If liquid accumulates, let it cook off so the meat browns slightly.
Build the flavor base: Stir in tomato paste, chili powder, cumin, smoked paprika, oregano, cayenne (if using), salt, and black pepper. Cook 1–2 minutes to bloom the spices. The mixture should smell toasty and rich.
Add tomatoes and broth: Pour in crushed tomatoes and chicken broth.
Scrape up any browned bits from the pot.
Simmer: Bring to a gentle boil, then reduce heat to low and simmer uncovered for 15 minutes, stirring occasionally.
Add beans: Stir in black beans and kidney beans. Simmer another 10–15 minutes. If the chili looks too thick, add a splash of broth or water; if it’s too thin, simmer a bit longer.
Finish with acidity: Stir in the apple cider vinegar or a squeeze of lime.
Taste and adjust salt, pepper, and heat. For a smoky edge, add a pinch more smoked paprika.
Serve: Ladle into bowls and top with your favorites. Cilantro, green onions, a spoonful of Greek yogurt, and a few avocado slices make a nice balance.