Melt the Bacon Up in a large pot.
Add chopped onions and green pepper, stirring until softened -- 5-7minutes.
Add minced garlic, salt, pepper, cumin and chili powder. Stir for another minute.
Add in beans, tomatoes, water, and browned ground beef or turkey.
Bring to a simmer and cook, stirring occasionally, until thickened -- 35-45 minutes, adjusting the heat as needed. Add more salt, to taste, if desired.
Garnish, if desired, with sour cream, shredded cheese, and fresh parsley or cilantro.