Heat the olive oil in a large heavy-bottomed pot over medium heat until shimmering and fragrant.
Add the chopped onion and cook, stirring occasionally, until translucent and soft—about 5 minutes. Let the aroma fill your kitchen as it turns sweet and savory.
Stir in the minced garlic and cook for about 30 seconds until fragrant, being careful not to burn it—that bitter note will ruin the flavor.
Increase the heat to medium-high and add the ground turkey. Break it apart with your spoon, cooking until browned and cooked through—about 8 minutes. It should no longer be pink and may develop a slight crust on the edges.
Sprinkle in the chili powder, cumin, salt, and pepper. Stir well to coat the meat and vegetables, cooking for another minute until the spices are fragrant and evenly distributed.
Pour in the canned diced tomatoes along with a splash of broth or water. Bring the mixture to a gentle simmer, letting it bubble softly for about 10 minutes, allowing the flavors to meld and the sauce to thicken slightly.
Add the rinsed and drained black beans to the pot, stirring to combine. Continue simmering uncovered for another 10-15 minutes, stirring occasionally, until the chili is thick and hearty. Adjust the liquid with more broth if it gets too thick.
Taste the chili and season with additional salt, pepper, or spices if needed. It should have a vibrant, smoky aroma and a thick, spoonable consistency.
Remove the chili from heat and let it rest for about 5 minutes—this helps the flavors settle and develop further. Serve with your favorite toppings, like fresh cilantro or sour cream, and enjoy the cozy, comforting warmth.