Rinse the rice under cold water until clear. Combine rice, water or broth, and salt in a pot. Bring to boil, then simmer covered for 15 minutes until fluffy.

Heat olive oil in a skillet over medium heat. Cook the ground beef or turkey, breaking apart, until browned, about 5-7 minutes.

Add the rinsed black beans to the skillet, cooking on low for about 10 minutes until warmed through.

Let the cooked rice sit covered for 5 minutes, then fluff with a fork.

Assemble the bowls by layering rice, meat, beans, lettuce, tomatoes, and cheese.

Top with salsa and any optional garnishes like cilantro and lime wedges.