Cook rice according to package instructions (I used a rice cooker)
Add bell peppers, onion, garlic, and olive oil to a large skillet
Sauté on medium high heat for 8-10 minutes, until onion is translucent
Add beans, lime juice, salt, pepper, cumin, and chili powder and stir to combine
Heat an additional 2-3 minutes, until hot
Spoon veggie mixture over rice and serve with sliced avocado, sour cream, salsa, and colby jack cheese
Dip with tortilla chips for extra crunch!