Black Bean Soup

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1/4 cup lard or butter

5 cloves garlic, minced 

1 yellow onion, diced 

1 red bell pepper, diced 

1 jalapeno, thinly sliced

2 tablespoons chili powder 

1 tablespoon ground cumin 

2 teaspoons kosher salt 

2 cup dried black beans 

5 cups chicken or vegetable broth, plus more to thin as needed 

2 limes, juiced, plus lime wedges, for serving

1/2 cup diced red onion, for garnish

1/2 cup fresh cilantro leaves, for garnish

1/2 cup diced tomato, for garnish 

1/2 cup sour cream, for garnish

2 avocados, diced, for garnish