Over medium-high heat in Dutch oven or pot, with the olive oil, sauté peppers, onions, carrots, celery, salt and black pepper for 10 minutes.
Turn down heat to medium, add garlic and sauté for 1 minute more.
Add all remaining ingredients; stir, turn up heat to high and bring to a boil.
Then turn down to medium and let simmer covered for 40 minutes.
Stir, serve and top with toppings (if desired).
Fun toppings / accompaniments include avocado, fresh salsa, cheese, sour cream, cilantro, hot sauce, tortilla chips, toasted corn tortillas, crusty bread, etc.