Warm the tortilla: Place the tortilla in a dry skillet over medium heat for 15–20 seconds per side until pliable. Set aside on a plate.
Sauté the veggies: Add oil to the same skillet.
Cook onion and bell pepper for 2–3 minutes until slightly soft. Stir in garlic for 30 seconds.
Wilt the spinach: Add spinach and cook 30–60 seconds until just wilted. Season with a pinch of salt, cumin, and smoked paprika.
Add beans: Stir in black beans and warm through, 1 minute.
Taste and adjust seasoning.
Scramble the eggs: Push the veggie-bean mix to one side. Add eggs to the empty side and scramble gently until just set, 1–2 minutes. Fold everything together.
Add cheese: Sprinkle cheese over the mixture and let it melt slightly.
Remove from heat.
Assemble: Spread salsa and yogurt (if using) down the center of the warm tortilla. Spoon the egg mixture on top. Add cilantro and a squeeze of lime.
Wrap it up: Fold the sides inward, then roll tightly from the bottom to form a burrito.
For a crispy exterior, sear the seam side down in the skillet for 1 minute.
Serve: Slice in half if you like and enjoy warm.