In a large skillet, heat a drizzle of oil over medium-high heat. Add the ground beef or turkey, cooking for about 5-7 minutes until browned, stirring occasionally.

Sprinkle the taco seasoning over the cooked meat, stirring well. Pour in 1/3 cup of water, bringing to a gentle simmer. Cook for 2-3 minutes, allowing flavors to meld.

Chop fresh vegetables into bite-sized pieces. Rinse beans if using, and crumble cheese. Set aside to assemble.

Prepare rice according to package instructions in a separate pot. Once cooked, fluff with a fork.

In each bowl, start with a layer of rice, top with seasoned protein or beans, followed by fresh vegetables and crumbled cheese.

Drizzle sauces over each bowl and garnish with cilantro and fresh lime juice.

Serve immediately, encouraging everyone to customize their bowls.