Creating Lina Mari's Ultimate Homemade Chili is simple! Follow these clear steps for a delicious result:

1. In a large pot over medium heat, add the ground meat. Cook until browned, stirring occasionally.
2. Add the diced onion and minced garlic to the pot. Sauté for about 3-4 minutes until softened.
3. Stir in the chopped bell pepper and cook for an additional 3 minutes until tender.
4. Pour in the canned diced tomatoes along with their juice. Stir well to combine.
5. Add the kidney beans and black beans to the mixture. Mix thoroughly.
6. Sprinkle in the chili powder, cumin, salt, and pepper. Stir until all ingredients are well incorporated.
7. Bring the mixture to a simmer, then reduce heat to low. Let it cook uncovered for 20 minutes, stirring occasionally.
8. Taste and adjust seasonings as necessary; add more chili powder for extra heat or more salt to enhance the flavor.
9. Once done, remove from heat and let it sit for a few minutes to allow the flavors to meld.
10. Serve the chili hot in bowls, garnished with toppings of your choice.

By following these straightforward steps, you'll enjoy a delightful chili experience that’s quick and easy!