1. Heat olive oil in a large skillet over medium heat. Add ground beef and cook, breaking it apart. Season with salt, pepper, and chili powder. Cook until browned, about 6–8 minutes. Drain and set aside.

2. In the same skillet, sauté the diced onion and bell pepper for 3–4 minutes until soft. Set aside.

3. Crack eggs into a bowl, beat well, and season with salt and pepper. Scramble in the skillet over low-medium heat until soft and fluffy. Remove from heat.

4. Warm the tortillas in a microwave or tortilla warmer for 15–20 seconds to make them more pliable.

5. Assemble each tortilla: layer shredded cheese, scrambled eggs, ground beef, black beans, and sautéed veggies. Add hot sauce or cilantro if desired.

6. Fold the sides in and roll tightly from the bottom up.

7. Optional: Toast each burrito seam-side down in a skillet for 1–2 minutes per side until golden and sealed.