Now, let’s roll up our sleeves and transform these ingredients into a sumptuous feast:

1. Heat the olive oil in a large skillet over medium heat. Add the finely chopped onion and sauté until translucent, about 3 minutes.
2. Add the minced garlic and cook for another minute, stirring constantly to prevent burning.
3. Add the ground beef to the skillet, breaking it up with a wooden spoon as it cooks. Cook until browned, about 5-7 minutes.
4. Stir in the cumin, smoked paprika, chili powder, salt, and pepper. Cook for another 2 minutes, allowing the spices to infuse the beef.
5. Add the cooked rice and black beans to the skillet, mixing everything thoroughly. Cook for an additional 2-3 minutes until everything is heated through.
6. Remove the skillet from heat and stir in half of the shredded cheese, letting it melt into the mixture.
7. Warm the tortillas in a dry skillet or microwave for a few seconds to make them pliable.
8. Spoon the beef mixture onto each tortilla, sprinkle with remaining cheese, and add any desired toppings.
9. Fold the sides of the tortilla over the filling and roll it up tightly into a burrito.
10. Serve immediately, or if you prefer, toast them lightly in the skillet for a crispy finish.