For a richer flavor, consider browning the ground sirloin in a separate pan before adding it to the Instant Pot. Adjust the amount of chipotle powder and habanero hot sauce to suit your preferred level of spice. Feel free to experiment with other types of beans, such as black beans or pinto beans. Top your chili with shredded cheddar cheese, a dollop of sour cream, avocado slices, taco chips, or chopped fresh cilantro for added texture and flavor.