Ingredients

* 2 tablespoon olive oil oil or coconut oil
* 1 cup diced onion
* 1 1/2 cup diced carrot
* 2 cup chopped bell pepper
* 1 can kidney bean
* 1 -15 ounce can black bean
* 1 -15 ounce can roman bean or northern bean
* 1 -15 ounce can garbanzo bean
* 2 -28 ounce can tomato
* 3 tablespoon chili powder
* 1 tablepoon cumin
* 2 tablespoon onion powder
* 1 tablespoon garlic powder
* 3 tablespoon sugar
* 1/2 teaspoon nutmeg
* 1/2 teaspoon black pepper
* 1 teaspoon crushed red pepper flake (more or less, depending on how
hot you like it)
* 1 cup instant rice