Heat pot on low heat and prep vegetables
Wash, pat dry and chop the vegetables in 1/2-1" pieces. If you have a picky eater, consider mincing or running any of these veggies through the food processor to 'hide' its presence. That's what I do with the kale.
Saute the carrots, brussels sprouts, red cabbage and celery in 1 tablespoon of oil at medium-high heat for 5 minutes. Stir occasionally. Omit this step if you are avoiding adding oil.
Add the tomatoes, cooked beans, cumin, salt, water/broth and whole chilis. Cover the lid and bring to a boil on high heat. Set the timer for 5 minutes so you can keep an eye on this.
Once the mixture comes to a boil, lower to medium heat and cook for 15 minutes.
Add the yellow peppers and cook for another 5 minutes.
Carefully remove the whole ancho and guajillo peppers (so as to leave them intact). Set them to the side.
The chili is ready to serve to those who do not want a spicier chili. I usually remove 1 cup of chili for my son at this point. To maximize the flavor of the whole peppers, proceed to the next step.
Remove 1 cup of chili and add to a blender with the peppers (de-seeded / de-stemmed) Puree. Mix the puree back into the chili.
The chili now has the color and texture as described in this post. Add lime juice and serve!