In a large pan or Dutch oven, heat the oil over high heat.
Add the stew meat, diced onions, and bell pepper (if using).
Sear the meat until browned on all sides, stirring occasionally.
Add Seasonings and Tomato:
Stir in the tomato sauce (or diced tomato), garlic powder (or fresh garlic), cumin, salt, and black pepper.
Mix well to evenly coat the meat with the seasonings.
Thicken the Gravy:
Sprinkle the flour over the meat mixture and stir to combine.
Gradually add the water or chicken stock while stirring to prevent lumps.
Simmer Until Tender:
Bring the mixture to a boil, then cover and reduce heat to low.
Simmer for about 1 ½ hours, or until the beef is fork-tender.
Stir occasionally and add more liquid if needed to maintain a thick gravy consistency.
Final Adjustments:
Taste and adjust seasoning as needed.
Serve hot with warm flour tortillas, rice, or mashed potatoes.
Serving and Storage Tips
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