01 - Heat olive oil in a large skillet over medium heat. Add diced onion and bell pepper. Sauté for 5-6 minutes until softened and fragrant.
02 - Add black beans, chili powder, cumin, smoked paprika, garlic powder, salt, and pepper to the skillet. Stir well and cook for 2-3 minutes until heated through and aromatic.
03 - In a separate skillet, cook eggs to desired doneness. Fried eggs with runny yolks work best for this dish.
04 - Reheat cooked rice if necessary, either in the microwave or in a small skillet with a splash of water.
05 - Divide warm rice evenly among four serving bowls. Spoon the seasoned bean and vegetable mixture over the rice in each bowl.
06 - Place one cooked egg on top of each bowl, positioning it centrally for presentation.
07 - Garnish each bowl with cherry tomatoes, avocado slices, jalapeño rounds, shredded cheddar cheese, fresh cilantro, and salsa.
08 - Serve bowls immediately with fresh lime wedges on the side for squeezing over the top just before eating.