1) In a large pot or dutch oven over medium heat, saute onions, carrots, and garlic in olive oil until tender, about 4-5 minutes. Season lightly with salt and pepper as they cook.2) Add all other ingredients into the same pot with veggies. Season sparingly with salt and pepper at this point. Bring to a boil, stirring almost constantly, and then reduce to a low simmer. Simmer for about 20 minutes, stirring regularly to avoid scorching the bottom.3) Taste and adjust salt and pepper amounts. Remove the bay leaf. Serve topped with your favorite chili toppings (sour cream or plain Greek yogurt, shredded cheddar, onions, crackers, etc.).To freeze: Cook according to directions. Let fully cool. Freeze in air tight, freezable container or zip top bag.To reheat: Thaw overnight in the refrigerator and warm gently on the stove top. Or, add frozen soup to a large stock pot, add a cup or two of water or broth over the top, and warm over low to medium-low heat. Stir occasionally, making sure the bottom doesn't scorch.