Put your Instant Pot into Saute function. Add the oil and heat for 2 minutes, then add the ground beef. Cook and crumble the beef until barely any pink remains.
Add the diced onions, bell pepper, and celery and cook until translucent – about 3 minutes.
Add the garlic and cook another 2 minutes.
Add the remaining ingredients except for the optional toppings and stir well to combine. Place the lid on top and make sure the lever is in the seal position. Change the settings on the Instant Pot to the Bean/Chili setting and let cook for 30 minutes (+ more for the pressure up phase).
Once the beeper lets you know the cooking time is over you can either allow it to slowly vent on its own time or you can carefully sweep the lever over to the venting position for a fast release.
Stir and serve with your choice of toppings and sides.
Notes
You can also make this recipe on the stove or in a slow cooker! You would need to add about 2 hours to the cooking time on the stove and about 4-6 hours on high in the slow cooker.
For added variety, you can use your favorite ground beat in place of the ground beef! Try it with ground turkey or bison.
Sometimes I like to change it up slightly by using one can of red kidney beans and one can of pinto beans. Feel free to try it with black beans, too!
Want a vegetarian option? Eliminate the meat and use more variety of beans.