1. In a large pot, cook the ground beef over medium heat until browned.
2. Add the chopped onion and minced garlic, and cook until the onion is translucent.
3. Stir in the chili powder, ground cumin, salt, and black pepper.
4. Add the kidney beans, tomato sauce, diced tomatoes, and water. Stir to combine.
5. Bring the mixture to a boil, then reduce the heat and let it simmer for about 45 minutes, stirring occasionally.
6. Serve hot, garnished with your favorite toppings like shredded cheese, sour cream, or chopped green onions.