Start the rice so it will be ready when you are finished. I use a rice cooker, but you can cook the rice according to the directions on your package. For my rice cooker, the white rice ratio is 1:1 and brown is 1:2. I find 1 1/2 cups rice is enough for our family of 4, sometimes with a bit of leftover rice for the next day. (If you are feeling fancy, we love this Cilantro Lime Rice with Mexican and Asian dishes. It is a tiny bit more work, but it elevates the meal to a higher level.)
Make the pico de gallo. Chop and remove the seeds from the tomatoes. Chop the onions and cilantro. Carefully remove the stem, ribs and seeds from the jalapeño and finely chop it. Combine ingredients in a small bowl that you can use to serve and also store the leftovers. (One less dish to wash!) Add lemon or lime juice and salt to taste. Let sit on the counter or refrigerate for longer term storage.
Prep all the other toppings. Shred the cheese, chop the green onions and cilantro, slice the olives, slice the limes, put the sour cream in a small dish, dice the avocado or mash it and add a little salt and lime juice. Get out the hot sauce.
Cook the beans. Drain and rinse the first can of beans. Add them to a medium saucepan. Add the second can without draining it. Turn heat up to medium and add 2-3 T of taco seasoning. Stir to combine and heat until simmering and hot. Taste for seasonings. You may need to add a little bit of salt if your beans or taco seasoning don’t have any, but if they do, it might be fine. Squeeze a bit of lime in and stir again. Transfer to a serving bowl.
Get ready to eat. Put rice, beans and all toppings on the table in individual bowls or divided on a plate or platter. Let everyone make their own taco bowl according to their preferences. We usually put the rice first, then the beans and then the cheese, followed by all the other toppings. Add tortilla chips if desired and eat as is or mix it all together.