Prep your ingredients: Dice onion, bell pepper, and zucchini.
Mince garlic. Drain the tomatoes. Measure spices into a small bowl for quick seasoning.
Brown the beef: Heat a large skillet over medium-high and add the oil.
Add ground beef and cook, breaking it up, until mostly browned. Spoon off excess fat if needed, leaving a little for flavor.
Sauté aromatics: Push beef to one side. Add onion and bell pepper to the empty side and cook 3–4 minutes until softened.
Stir in garlic for 30 seconds until fragrant.
Add zucchini and cauliflower rice: Stir in zucchini and riced cauliflower. Cook 3–4 minutes to soften and evaporate extra moisture. Keep the heat at medium to avoid sogginess.
Season generously: Sprinkle in chili powder, cumin, smoked paprika, oregano, onion powder, cayenne (if using), salt, and pepper.
Stir to coat everything evenly.
Tomatoes and tomato paste: Add drained tomatoes with green chiles and tomato paste. Stir well to combine.
Simmer: Pour in beef broth. Reduce heat to medium-low and simmer 5–7 minutes, stirring occasionally, until thickened and saucy.
Taste and adjust salt or spices.
Finish with lime and cheese: Turn off the heat. Stir in lime juice. Sprinkle cheese over the top and let it melt from residual heat.
If you want it extra melty, cover the skillet for 1–2 minutes.
Garnish and cool: Top with chopped cilantro. Let the skillet cool for 10 minutes before portioning to prevent condensation in containers.
Portion for meal prep: Divide evenly into 4–5 airtight containers. Add optional toppings like jalapeño or a lime wedge.
Save sour cream and avocado to add fresh after reheating.