Heat olive oil in a large skillet over medium-high heat.
Add the diced red onion and bell peppers, sautéing until the onions are translucent and peppers are slightly softened.
Add the ground beef to the skillet, breaking it apart with a spatula, and cook until browned and fully cooked through.
Stir in the minced garlic, chili powder, cumin, smoked paprika, sea salt, and black pepper, coating the meat evenly.
Add the rinsed black beans to the beef mixture and cook for 3-4 minutes until the beans are heated through.
In a separate non-stick skillet, fry the eggs to your preference until the whites are set but the yolks remain velvety.
Divide the beef and bean mixture into large bowls.
Top each bowl with a generous dollop of Greek yogurt, sliced avocado, and the fried eggs.
Garnish with fresh cilantro and a squeeze of lime juice before serving hot.