Brown and crumble the ground beef, onions, garlic, and chili pepper in the olive oil, over medium heat in a large pot. Stir in the chili powder, cumin, sazon goya, and black pepper. Cook well until meat is well done. Taste and add salt if you think it needs it.
Stir in the Ro-Tel and bring to a boil. Lower heat and simmer 10 minutes. Then add in the beans with their liquid. I used kidney beans, but you could use any beans of your choice - pinto, black, chili-hot, whatever. Let simmer about 40 more minutes, stirring a few times to prevent sticking and blend flavors. Then either keep this warm in a crock pot until serving time, OR just shut it off and reheat when you want to have it for supper.
We serve this with tortilla chips, grated cheese, and sour cream.