In large saucepan, add oil, carrots, celery, and onion. Sauté over medium heat until softened but not browned, about 10 minutes. Add garlic, farro (or spelt or barley), bay leaves, chili powder, and cumin. Stir to coat. Stir in tomatoes and water (or broth with water) and bring to a gentle boil. Cover and cook over medium-low heat for 30 to 40 minutes, or until grain is tender. Stir in beans and chilies and heat through. Add lime juice. Season with salt and pepper, to taste (if using).