In large 6 quart Dutch oven cook vegetables, and garlic in ¼ vegetable broth (may add more to prevent sticking) over medium-high heat until vegetables are tender.
Stir in remaining items, including black pepper.
Bring to boil, reduce heat.
Simmer covered for 20 minutes, stirring occasionally.
Serve with desired toppings.
Recipe by Healthy Human Revolution at https://blog-hhr.10yearstonyc.com/chili-variations-for-cold-winter-months/