Sauté the base: Heat olive oil in a large pot over medium heat. Add onion and cook until soft, about 5 minutes. Stir in the garlic and cook another minute until fragrant.
Brown the meat: Add ground turkey or beef. Cook until fully browned, breaking it up as it cooks. Drain any excess fat if needed.
Add the pumpkin and spices: Stir in pumpkin puree, chili powder, cumin, smoked paprika, cinnamon, salt, and pepper. Mix well to coat the meat evenly.
Add liquids and beans: Pour in the broth, diced tomatoes, black beans, and kidney beans. Stir everything together.
Simmer: Bring to a gentle boil, then reduce the heat to low. Cover and simmer for 25–30 minutes, stirring occasionally.
Taste and adjust: Give it a taste test and adjust seasoning if needed. Serve hot with your favorite toppings.