Heat the olive oil in a large skillet over medium heat. Add the diced onion and bell pepper, cooking until softened, about 5 minutes.

Stir in the minced garlic and cook for another minute until fragrant.

Add the ground turkey or beef to the skillet, breaking it apart with a spatula. Cook until browned and cooked through, about 7-10 minutes.

Stir in the black beans, diced tomatoes, chili powder, cumin, smoked paprika, salt, and pepper. Bring the mixture to a simmer and cook for 10 minutes to allow the flavors to meld.

Make four small wells in the chili mixture and crack an egg into each well. Cover the skillet and cook for 5-7 minutes, or until the egg whites are set but the yolks are still runny.

Remove from heat and garnish with fresh cilantro. Serve with avocado slices on the side if desired.