Cook dried beans according to package directions. Set aside.

Add the peppers, red onion, and garlic to a large pot.

Cover with filtered water and cook on high until water is evaporated.

Add the rest of the ingredients to the pot.

Bring to a boil, then cover and simmer for at least 30 minutes.

Optional but recommended- use an immersion blender to purée about one-third of the chili- not more. This will give it a thicker, creamier, and heartier consistency.

Ladle the chili into individual serving bowls and add garnish to each.