Prepare the okra by finely chopping or pulsing in a food processor until it reaches a coarse, minced consistency.
In a medium pot, heat the red palm oil over medium heat until melted and fragrant.
Add the diced onion and sauté for 3-4 minutes until translucent, then stir in the minced garlic.
Pour in the water and add the chopped okra, stirring to combine.
Place the whole habanero pepper into the pot and bring to a gentle simmer.
Cook the okra mixture for 10-12 minutes, stirring occasionally, until the sauce becomes thick and silky.
Season the snapper cubes and shrimp with sea salt and black pepper.
Gently fold the fish, shrimp, and fish sauce into the stew.
Simmer for another 5-7 minutes until the fish is opaque and the shrimp are pink and cooked through.
Remove the habanero pepper before serving the stew hot in deep bowls.