Easy Chili

1-2 tsp olive oil 2 bell peppers (red, yellow or green), diced (optional) 1 medium onion, chopped 1 clove garlic, minced (or use pre-minced garlic from a jar) 12 ounces extra lean ground sirloin (or ground beef) (optional) 1 tblspoon chili powder (or more to taste) 1 tsp ground cumin 1 14-ounce can of diced tomatoes 1 15-ounce can of black beans, rinsed and drained 1 15-ounce can of kidney beans, rinsed and drained 1 15-ounce can tomato sauce Heat oil in a large saucepan over medium-high heat. Add peppers, onion, garlic and coo****il they soften. Add ground sirloin. Cook thoroughly until there is no pink left. Add remaining ingredients. Bring the mixture to a boil, then reduce to a simmer. Simmer for 30 minutes, stirring occasionally.