Preheat your oven to 375°F (190°C).
In a large skillet, heat olive oil over medium heat. Add chopped onion and cook until softened, about 3-4 minutes.
Add minced garlic and ground turkey (or beef) to the skillet, cooking until the meat is browned and cooked through, about 5-7 minutes. Drain excess fat if necessary.
Stir in the black beans, diced tomatoes (with liquid), corn, taco seasoning, and riced cauliflower. Mix well to combine and let it simmer for about 5 minutes to heat through.
Transfer the mixture to a 9x13 inch baking dish. Evenly sprinkle shredded cheddar cheese on top.
Bake in the preheated oven for 20-25 minutes, or until the cheese is melted and bubbly.
Remove from the oven and let cool for a few minutes. Garnish with chopped cilantro and sliced jalapeños, if desired.
Serve hot, topped with sour cream if you like.