Place beans in a large pot of salted water and bring to a boil. Lower heat and simmer until the beans are tender—about 50-55 minutes. Drain and place them in a bowl .

In a large sauté pan heat 1 tablespoon of the oil until shimmering. Add the ground turkey and stir with a wooden spoon until the meat breaks up and is cooked through. Remove from the pan into a colander and drain. Add 2 tablespoons of oil to the pan and heat until shimmering. Add the onion, garlic, chili powder, cumin and cayenne. Cook, stirring occasionally, until the onion mixture is softened and slightly colored, about 6-8 minutes. Add the canned tomatoes, water, turkey and the beans. Cook and stir over medium low heat for about 20 to 30 minutes. Serve garnished with chopped red onion, grated cheddar cheese and sour cream.

Wanna make it quickly? Use canned kidney beans instead of dry for a super quick week night meal!