Warm the pot: Heat olive oil in a large pot or Dutch oven over medium heat.
Add onion and bell pepper. Cook 4–5 minutes, stirring, until softened.
Add garlic and turkey: Stir in garlic for 30 seconds. Add the ground turkey, breaking it into small pieces.
Cook until no longer pink, about 5–6 minutes.
Season well: Sprinkle in chili powder, cumin, smoked paprika, oregano, cayenne (if using), salt, and pepper. Stir 1 minute to toast the spices.
Tomato base: Add tomato paste and cook 1 minute, then pour in diced tomatoes, tomato sauce, and broth. Stir to combine.
Beans and quinoa: Add black beans, kidney beans, and rinsed quinoa.
Stir. Bring to a gentle boil, then reduce heat to low.
Simmer: Cover partially and simmer 20–25 minutes, stirring occasionally, until the quinoa is tender and the chili thickens. Add a splash of water if it gets too thick.
Finish and taste: Stir in apple cider vinegar or lime juice.
Taste and adjust salt, pepper, or heat as needed.
Serve: Ladle into bowls and add your favorite toppings. Enjoy hot.