Heat oil in a large skillet over medium heat. Add garlic and onion and cook for 1 minute.
Add in zucchini, carrots, and peppers and let cook for 5-7 minutes, until veggies begin to soften.
Add in ground beef, chili powder, paprika, garlic powder, salt, and pepper and cook until meat is well done.
Add in tomatoes and mix to combine. Reduce heat to a simmer for 5 minutes. Add in spinach and mix until wilted. Taste and adjust seasoning as desired.
If adding cheddar cheese, sprinkle over the top and cover the skillet with a lid until cheese melts.
Serve hot with optional garnishes and serve with tortillas for dipping.
