Prep beans, corn, tomatoes, bell pepper, onion, jalapeño, and cilantro.
Whisk olive oil, lime juice, vinegar, cumin, salt, pepper, and chili powder.
Combine all ingredients in a bowl; toss with dressing.
Add avocado (if using); chill for 30 minutes (optional).
Serve in a white ceramic bowl with cilantro, chips, and tea.