Creating Ghostly White Chicken Chili is easy if you follow these simple steps:

1. Prepare the Chicken: In a large pot, heat olive oil over medium heat. Add the chicken breasts and season with salt and pepper. Cook for about 5-7 minutes per side until cooked through. Remove the chicken and let it cool before shredding it.

2. Sauté Vegetables: In the same pot, add diced onion and cook until translucent, about 3-4 minutes. Stir in the minced garlic and cook for an additional minute.

3. Add Beans and Chilies: Stir in the drained white beans and diced green chilies, mixing well with the onions and garlic.

4. Pour in Broth: Add the chicken broth and bring the mixture to a gentle boil.

5. Season the Chili: Add the cumin, chili powder, and smoked paprika. Stir well and let it simmer for about 10 minutes.

6. Shred the Chicken: While the chili simmers, shred the cooled chicken breasts using two forks.

7. Combine Ingredients: Add the shredded chicken back into the pot. Stir to combine all ingredients evenly.

8. Make it Creamy: Lower the heat and mix in the sour cream or cream cheese until well incorporated. Allow it to heat through but do not boil.

9. Add Cheese: Stir in the shredded Monterey Jack cheese until melted and creamy.

10. Taste and Adjust: Taste the chili and adjust seasoning if necessary. Add more salt, pepper, or spices to suit your preference.

11. Serve: Remove from heat and let it sit for a few minutes before serving.