Heat a tablespoon of oil in a skillet over medium heat. Sauté the onion until it’s soft and a little golden, about 4–5 minutes.
Add garlic and cook for another 30 seconds—subtle sizzle, not a garlic inferno. Stir in cumin, chili powder, and paprika; bloom the spices for a quick, fragrant minute.
Pour in the tomatoes with their juice and the broth. Bring to a simmer and let it cook for 5 minutes to mingle flavors.
Stir in the beans and rice. If you’re using leftover rice, add it now and heat through. If not, add cooked rice and simmer until everything’s hot and cozy (about 5–7 minutes).
Taste, then season with salt, pepper, and chili flakes or hot sauce if you like a kick. If the mixture seems dry, splash in a little more broth.
Finish with fresh cilantro or parsley. Serve hot and smile at how easy that was.