Rinse the uncooked white rice under cold water until the water runs clear. Combine with water or chicken broth and a pinch of salt in a pot. Bring to a boil, then reduce to low, cover, and simmer until fluffy.

Heat olive oil in a heavy skillet over medium heat. Add ground beef or turkey, breaking it into crumbles, and cook until browned, about 6-8 minutes.

Drain and rinse black beans. Heat in a small saucepan with a pinch of cumin and minced garlic until heated through, about 5 minutes.

Check the ground meat for a deep brown color, indicating proper caramelization.

Fluff the cooked rice with a fork and layer about a cup in each serving bowl. Add sections of seasoned ground meat and heated black beans.

Top with shredded lettuce, diced tomatoes, and shredded cheddar cheese.

Drizzle with salsa and serve with lime wedges for added brightness.