Start by thoroughly washing and chopping all your ingredients. Dice the onion, bell pepper, and garlic, then chop the shrimp and any additional seafood you like. Gather your spices, cream cheese, and shredded cheese.

In a large pot over medium heat, heat about a tablespoon of olive oil. Add the diced onion, garlic, and bell pepper. Sauté for about 4-5 minutes until the onion is translucent and the garlic is fragrant.

Stir in the chopped shrimp and any other seafood. Cook for another 4-5 minutes until the seafood is opaque and tender.

Reduce the heat to low, then stir in the cream cheese until it melts smoothly. Gradually add the shredded cheese, stirring continuously until blended.

Add your spices, including cayenne pepper and chili seasoning. If using beans, stir them in now.

Allow the chili to simmer on low heat for about 15-20 minutes. Stir occasionally, adding a splash of water or broth if it gets too thick.

Once thickened, ladle the chili into bowls for serving. Garnish with fresh herbs or extra cheese and pair with crusty bread or rice.