Level up: Top with crumbled tortilla chips, grated cheddar cheese, avocado, and/or sour cream.
Make it southwestern: Substitute a small amount of minced canned chipotle chiles in adobo sauce for the chili powder, and use black beans instead of kidneys or pintos.
Make it meatier: Add some chopped bacon or chopped salt pork with the vegetables and spices in step 1.
