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Most of us aren’t stupid.

We’re just running on default.

Default food.
Default money decisions.
Default ideas of success, productivity, and happiness — inherited from a system that benefits from us not thinking too hard about them.

Chow Hai is a personal experiment in stepping off autopilot.

It’s where I explore:

• How to live healthier without turning life into a discipline contest

• How to think about money and financial independence without anxiety or hype

• How technology and algorithms quietly shape our behaviour

• How to question social norms, policies, and “common sense” without becoming extreme

• How to improve our lives by subtracting noise, not adding optimisation

The name Chow Hai is deliberate.

It’s a reminder that growth doesn’t start with confidence —
it starts with humility, curiosity, and the willingness to admit
“Maybe I’ve been doing this the default way without thinking.”

If you’re looking for life hacks, hustle culture, or magic formulas, this isn’t the place.

But if you want to think a little clearer, live a little calmer, and make better long-term trade-offs — welcome.

👉 Start here to find what matters most to you
👉 Or subscribe to the weekly Chow Hai letter — one idea a week, no noise