Heat olive oil in a pan over medium heat.
Add garlic and cook for 30 seconds until fragrant.
Add black beans, cumin, smoked paprika, chili powder, and salt. Stir and cook for 3–4 minutes. Remove from heat.
In a second pan, add a little oil and cook onion and bell pepper over medium-high heat for 4–5 minutes.
Add corn and cook for 1 more minute.
To assemble, add rice to a bowl.
Top with black beans and cooked vegetables.
Finish with tomatoes, avocado, cilantro, and a squeeze of lime.
Add salsa or yogurt if using. Serve warm.