01 - In a medium mixing bowl, whisk together eggs, low-fat milk, salt, and pepper until combined.
02 - Heat olive oil in a medium skillet over medium heat. Add diced red onion and red bell pepper; sauté for 2 to 3 minutes until softened.
03 - Add chopped spinach to the skillet and cook for about 1 minute until just wilted.
04 - Reduce heat to low. Pour the egg mixture into the skillet with the vegetables and gently scramble, stirring regularly, until eggs are softly set, about 3 minutes.
05 - Stir in the chopped turkey or chicken and black beans. Cook for 1 additional minute until heated through.
06 - Sprinkle in the shredded cheddar cheese and stir until melted and distributed throughout the filling.
07 - Heat the tortillas in a dry pan or microwave for approximately 15 seconds until warm and pliable.
08 - Divide the prepared filling evenly between the tortillas. Fold in the sides and roll tightly to enclose the filling.
09 - Serve immediately with salsa on the side, if desired.