Heat olive oil in a large skillet over medium heat. Add the chopped onion and sauté for 3-4 minutes until softened. Stir in the minced garlic and cook for an additional 30 seconds until fragrant.

Add the ground beef or turkey to the skillet, breaking it apart with a wooden spoon. Cook until browned and fully cooked through, about 6-8 minutes. Drain any excess fat if needed.

Sprinkle the taco seasoning over the meat, then pour in the water or chicken broth. Stir well to combine and let it simmer for 2-3 minutes until the liquid has mostly evaporated and the flavors have melded.

While the meat simmers, prepare your base by dividing the cooked rice evenly among four bowls. Top each bowl with a generous portion of seasoned meat.

Arrange the black beans, corn, and diced tomatoes around the bowls to create colorful sections. If using, sprinkle shredded cheese over the top and add a dollop of sour cream or Greek yogurt.

Garnish with fresh cilantro leaves and serve with lime wedges on the side for a bright, zesty finish.