2 tablespoons olive or vegetable oil
1 whole onion medium, diced small
2 cloves garlic large cloves, minced
1 whole jalapeño or habanero pepper fresh, minced
1 whole bell pepper diced
2 to 3 teaspoons ground chili powder to taste
2 tablespoons tomato paste
14 ounce can diced tomatoes
2 to 3 teaspoons Kosher salt to taste
2 15.5-ounce cans black, red, or pinto beans drained and rinsed
1 1/2 cups corn kernels fresh (from 2 ears), canned and drained, or frozen (no need to thaw)
5 ounces baby spinach roughly chopped
1 cup cotija cheese crumbled
8 ounces monterey jack or pepper jack cheese about 2 cups, coarsely grated
8 whole large burrito-sized flour tortillas