Before anything goes into the pot, I chop my onion and give the chicken breasts a quick rinse and pat dry. I also measure out my spices ahead of time so I'm not fumbling later. This five-minute head start makes the whole process feel effortless once the slow cooker takes over.
I place the chicken breasts at the bottom of the slow cooker first, then pour the chicken broth over them so they stay moist through the long cook. Next, I add both cans of beans and the chopped onion, followed by the cumin, chili powder, and garlic powder scattered evenly on top.
I cover the slow cooker and set it to low for 6 to 7 hours, or high for 3 to 4 hours if I'm short on time. The chicken should be so tender it practically falls apart when nudged with a fork. I try not to lift the lid too often since it lets heat escape and slows things down.
Once the chicken is fully cooked, I pull the breasts out onto a cutting board and shred them using two forks. It only takes a minute or two since the meat is so tender by this point. Then I return the shredded chicken straight back into the pot.
This is the step that makes the whole dish special. I cut the softened cream cheese into cubes and drop them into the hot chili, stirring continuously until it melts completely into the broth. Within a few minutes, the chili turns thick, creamy, and irresistible.
I stir in the fresh cilantro right before serving so it keeps its bright flavor. Then I ladle the chili into bowls and let everyone add their own shredded cheese, avocado slices, and a squeeze of lime. It's the kind of finishing touch that makes each bowl feel personal.