Sauté the base: Heat olive oil in a large pot over medium heat. Add onion (and bell pepper if using) and cook 4–5 minutes until softened.
Add garlic: Stir in minced garlic for 30 seconds, just until fragrant.
Brown the turkey: Add ground turkey and cook 6–8 minutes, breaking it up, until no longer pink.
Bloom the spices: Sprinkle in chili powder, cumin, smoked paprika, oregano, salt, and pepper. Stir for 30–60 seconds so the spices toast slightly.
Build the tomato flavor: Stir in tomato paste until it coats the turkey mixture. Cook 1 minute.
Add the rest: Pour in diced tomatoes, beans, corn, and chicken broth. Stir well.
Simmer: Bring to a gentle simmer, then reduce heat to low. Simmer uncovered 18–22 minutes, stirring occasionally, until thickened.
Taste and finish: Adjust salt and pepper. Stir in lime juice if using.
Serve: Ladle into bowls and add toppings everyone likes.